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Consumer Loan Underwriter

Company: Schools Financial
Location: Tustin
Posted on: May 31, 2021

Job Description:

Position Summary:

SchoolsFirst Federal Credit Union is looking for a Consumer Loan Underwriter. This individual will evaluate, authorize and makes sound lending decisions based on Internal Standard Operating Procedures, Board Policies and as governed by Federal and State Regulations.

Position Schedule:

Monday through Friday, the hours will be 10 am to 7 pm. Saturday hours will be 8 am to 5 pm, with rotating Sundays.

Essential Job Functions:

  • Reviews automobile, credit card and unsecured loan applications completed and referred by Member Contact Center and branches and online. Creates, processes, and makes decisions on loan applications received through the mail, fax, or automated telephone system. Interviews loan applicants to develop information concerning their loan needs, earnings, and financial condition. Analyzes current financial position to determine the degree of risk involved in extending credit or lending money. Using the on-line loan application system approves or denies the loan based on creditworthiness, ability to repay, stability and credit score.
  • Provides consultative services to Members regarding credit union products and services by assessing the Member's needs, addressing their concerns and gaining agreement.
  • Maintains a working knowledge and understanding of the Consumer Lending Standard Operating Procedures.
  • Discusses disputed loan decisions, including alternate solutions for the Member, Researches and resolves Member disputes in all aspects of Member service goodwill and any applicable Federal or State Regulations.
  • This position has authority to make loan approval decisions based upon individual discretion and judgment within authorized lending limits.
  • Analyzes loan applications and pertinent Member financial and credit data; has authority to approve or deny loans within assigned authority level.

Education:

High School Diploma or G.E.D. required.

Experience:

3 to 5 years of related experience required.

Keywords: Schools Financial, Tustin , Consumer Loan Underwriter, Other , Tustin, California

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