Consumer Underwriter - Westchase District

Job description

The Consumer Underwriter is responsible for analyzing and evaluating consumer loan applications to determine if an extension of credit should be made. Loan applications will be decisioned based on applicant’s credit qualifications and ability to repay and collateral (if applicable). The underwriter will use their individual credit skill sets and risk assessment skills within credit union underwriting guidelines, lending policies, procedures, and designated underwriting authority to either grant approval, counter-approve, or decline loan applications. The Consumer Underwriter must be able to explain clearly with written and verbal communication loan decisions on applications to lending staff. Responsible for resolving any credit disputes that are received on existing loans through direct and indirect channels. RESPONSIBILITIES: - Independently review and decide on loan applications within established underwriting guidelines and underwriting authority. Evaluation of factors including debt-to-income ratio, analyzing credit reports and historical/current trends, calculation of income, and loan-to-value in making loan decisions. Consider ever-changing current economic and market conditi...