Consumer Lending Underwriter II

Overview

Final date to receive applications is 5 days after the date the role was posted.

Thank you for your interest in Bellco Credit Union! We’re a local not-for-profit organization that has been giving back to our members, the communities we serve, and of course, our employees since 1936. Offering one of the best employee benefits packages around, Bellco is a leader in fostering, developing, and engaging staff to become expert financial-service ambassadors. You’re a part of something more at Bellco—a place you can be proud of.

LOCATION: Corporate DIVISION: CMXO

The Consumer Lending Underwriter II will review and analyze both direct and indirect loan applications to determine whether applicants meet financial and creditworthiness criteria. The Underwriter II assesses the risk associated with approving a loan, evaluates the borrower’s income, credit history, employment history, debt-to-income ratio, confirms compliance with guidelines and all regulatory requirements (both state and federal), and to render a sound credit decision.

The Underwriter II will utilize experience to drive consistency and in mentoring team members. Will also assist in training as necessary and will provide advanced technical expertise. As part of the Consumer Lending Underwriting team, Underwriter II strives to provide exceptional service to all members. The Consumer Loan Underwriter II may participate in QC activities.

Reports to:

Senior Manager – Consumer Operations

Supervises:
No direct reports

Contacts:
All levels of credit union employees, internal and external auditors, vendors and members

Experience:

• Minimum 3 years’ experience in underwriting, preferably with Consumer Lending experience
• Knowledge of general lending guidelines including state, federal and fair lending

Education: Bachelor’s degree in related field or equivalent experience preferred

Skills:

• Ability to work with a high degree of confidentiality
• Ability to adjust and effectively incorporate changes to guidelines and procedures in a timely manner
• Thorough understanding of credit reporting and credit analysis
• Proven ability to analyze income documentation including personal and business tax returns and complete a cash flow analysis
• Ability to apply guidelines and lending matrices
• Ability to review member data in Core system
• Working knowledge of home equity processing and state and federal lending guidelines
• Proficient with Microsoft Office (Word, Excel, Outlook)
• Strong analytical and decision-making skills
• Strong attention to detail
• Organized and ability to handle fast paced environment with time management skills with the ability to prioritize workload
• Strong communication skills both verbal and written
• Demonstrates strong analytical/problem solving and time-management skills
• Ability to work flexible hours