Consumer Underwriter

Job description

Job Description: This position shall be responsible for consumer loan underwriting in accordance w ith internal guide lines and market standards to provide maximum profitability to the bank with minimum risk . Qualifications: This person should have a bachelor’s degree plus three years of related experience in all aspects of consumer loan underwriting . This person must have the ability to exercise independent and sound underwriting judgment and effectively apply knowledge of regulatory and industry guidelines to loan decisions. Familiarity with Decision-pro or other similar software preferred . Good verbal and written communication skills and analytical thinking are necessar y. Principal Responsibilities: Review loan requests for credit quality, collateral eligibility, properly executed documentation, and compliance with HMDA, Fair Lending, and applicable lending regulations . Approve, suspend, or deny loan requests based on established industry standards. Communicate credit decisions to the consumer loan officer and processor and clarify any necessary requirements to resolve outstanding underwriting issues. Follow Loan Policy and Guidelines to underwrite consumer loans for qualit...