Consumer Loan Underwriter

Jun. 20, 2016 - Dec. 06, 2019
Location:Boulder, CO
Salary Range:40,000 -50,000
Type:Full Time
Department:Elevations Credit Union
Description:Position Summary: The Consumer Loan Underwriter is responsible for providing prompt, accurate, and courteous service to all staff. Maintains a professional attitude and takes personal ownership of resolving problems and creating financial solutions. Responsible for creating consistency in lending decisions through coaching, reviewing loans, development/implementation of lending policies and procedures, and training as necessary to accomplish organizational lending goals. This position must demonstrate a strong commitment to increasing member value and achieving organizational goals through coaching co-workers, member education, service, and sales. Ensures credit process, policies, and activities fall within the parameters of Federal, State, and Elevations Credit Union’s policies and standards. Adheres to all applicable Federal and State laws and regulations governing the Credit Union.
• Assists co-workers with interviewing loan applicants, developing sound credit decisions based on policy and procedure, and offering financial solutions to the membership.
• Monitors and responds to various incoming loan queues on a continuous and timely manner
• Decisions loan approvals/denials according to agreed upon Service Level Agreements and in compliance with standards set by regulatory agencies, investors, and Credit Union policies and procedures
• Assists the management team in creating, supporting, and promoting Credit Union policies, objectives and programs
• Prepares detailed reports of quality performance and trends

Education Requirements: Equivalent to a two-year college degree, completion of a specialized course of study at a business or trade school, or equivalent work experience required

Knowledge, Experience and Skill Requirements:
• Minimum of three years loan underwriting experience required
• Minimum of five years lending experience required
• Advanced knowledge of lending operations and processes required
• In-depth credit, product, and appraisal knowledge
• Working knowledge of laws and regulations pertaining to consumer lending practices

Required Competencies: Managing Work (includes Time Management), Work Standards, Decision Making, Adaptability, Energy, Building Customer Loyalty, Contributing to Team Success

Potential Career Paths: Go to UltiPro> My Company> Company Info> Career and Compensation Information

This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice.

Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such report will be not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act. #LI-AK1
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