Consumer Loan Underwriter Ii

We currently have a career opportunity for a full-time Consumer Loan Underwriter II based out of our corporate office (Enterprise) in Appleton!

The Consumer Loan Underwriter II uses knowledge and independent judgment to determine loan risk eligibility in conjunction with regulations, guidelines, policies, and programs available. The Consumer Loan Underwriter examines, evaluates, and authorizes approval or denial of borrower applications for credit through direct and indirect channels. This role analyzes and underwrites all consumer loans, including non-mortgage secured, unsecured personal loans, credit cards, and indirect.

This role will also support the home equity loan process and underwriting when needed.

The primary responsibilities of the Consumer Loan Underwriter II role include but are not limited to:

• Promoting and upholding the Fox Purpose, Mission, Vision, and Values
• Providing underwriting support for all loan interviewers, including but not limited to Consumer Centralized Lenders, Member Relationship Officers, and Branch Managers
• Analyzing current financial position of members to determine the degree of risk involved in extending credit or lending money, and making decisions to approve, disapprove, or forward the loan request to higher levels for a decision, contacting team members to gather additional information if necessary to make appropriate decisions
• Approving loans within limits of authority, and establishing the terms and conditions of an approved loan
• Analyzing member financial picture to determine and offer other products and services that may be beneficial to both them and the credit union
• Consistently meeting established KPIs and supporting department goals
• Reviewing negative credit histories and recommending solutions to improve the member’s financial situation
• Applying technical job knowledge and skills accurately to make decisions in a timely manner in accordance with loan policy, procedures, and regulatory requirements
• Maintaining acceptable delinquency and loss ratios as stipulated
• Updating job knowledge by participating in educational opportunities, maintaining personal networks, and participating in professional organizations
• Maintaining member confidence by keeping loan information confidential

Candidates for the Consumer Loan Underwriter II position should possess:

• (1) A high school education or GED (at least a two-year college degree is preferred), or (2) Completion of a specialized course of study at a business or trade school, or (3) Completion of a specialized and extensive in-house training or apprenticeship program
• Three to five years of similar or related experience
• Ability to read and understand credit reports
• Excellent verbal and written communication skills
• Organizational and time management skills to balance workload and meet deadlines
• Proficient skills in Microsoft Office suite products

Hours:

Mon.

-Fri. 8am-5:00pm, every 4th Saturday (9am-12pm)

Fox Communities Credit Union is an over $3 billion in assets community-based credit union serving more than 130,000 members at over 20 locations. We take pride in being a progressive, member-owned, full service financial institution dedicated to serving the community.

Fox Communities Credit Union believes our team members are our most important asset.
We offer a great team environment, competitive salary and an excellent benefit package which includes, medical, dental, vision, life, short term and long-term disability insurance, 401k (Roth and Traditional), which includes company contributions including match, paid time off and caregiver leave! As part of our commitment to the communities we serve we also offer all team members Paid Volunteer Time Off!

If you are enthusiastic about a rewarding career with a successful & growing credit union, apply now!

Equal Opportunity Employer of Protected Veterans, and Individuals with Disabilities.