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Consumer Loan Underwriter II

First Tech Credit Union Rocklin, CA

Employment Type

: Full-Time

Industry

: Miscellaneous


We're looking for a Consumer Loan Underwriter to join the fast-paced Consumer Lending team. Qualified candidates will have a prior experience underwriting auto, boat, and credit card products. You'll need to be familiar with various credit unions lending policies and lending regulations and have a full understanding of loan contracts including APR, amortization schedules, and simple interest calculations. You'll be joining a team that is dedicated to providing top-level service, while also working to achieve aggressive volume goals. Here's what you can expect from the job and what you need to be successful: Job duties * Review and verify accuracy of collateral details, employment profile, credit strength and all other pertinent loan documentation and information * Recognize, structure, present and approve additional loan opportunities to maximize member benefits * Serve as a resource to employees on underwriting questions * Provide adverse actions according to proper regulatory guidelines * Apply independent judgment that aligns with credit union policy, guidelines, tolerances and in adherence to regulatory guidelines to reach a sound decision Essential skills * Minimum 3 years' experience in Consumer lending underwriting * Experience with finance computations, lending calculators and general consumer loan applications * Analytical skills with the ability to calculate lending ratios, conduct loan risk analysis and properly identify credit issues, fraud and/or other associated lending risks * Strong business communication skills; able to write/speak clearly and professionally for a variety of audiences * Proficient in the use of loan calculators to execute basic financial mathematics including simple interest calculations and amortization schedules * Ability to work autonomously to manage time effectively and prioritize work appropriately to meet deadlines in a high volume production environment * Strong analytical and problem solving skills; ability to apply sound independent judgement * Strong understanding of loan contracts including APR, amortization schedules, and simple interest calculations * Strong knowledge of credit union lending policy and lending regulations including Reg B, Reg Z, FACTA & FCRA, Equal Credit Opportunity Act (ECOA) * Strong knowledge of Microsoft Office Suite and other software * FCRA Certification (or willing to obtain within 60 days of hire) * Bachelor's degree (preferably in Business Administration or other related fields of study) Location: Rocklin, CA 95765 First Tech is not currently offering Visa sponsorship for this position #LI-EK

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