Consumer Junior Loan Underwriter

Description

Come join our team as a Consumer Junior Loan Underwriter!
 

Are you ready to dive into the dynamic world of finance and lending? Do you thrive in fast-paced environments and have a knack for analyzing financial data? If so, we want YOU to join our team. As the Consumer Junior Loan Underwriter, you'll be at the forefront of working with our branch and virtual lending teams to help our members achieve their financial dreams. Those dreams could invovle helping members get started on building credit, buying their first car or buying a vehicle for a child or helping someone pay off their debt faster by approving a debt consolidation loan. This role is crucial in assessing loan applications, analyzing credit worthiness, and ensuring that our clients receive the financial support they need to thrive. 

As part of our application process, we also ask that you set aside 10-12 minutes to complete a 2 page survey for the Consumer Junior Loan Underwriter. This is a tool that we'll use to better understand the training and development needs of our employees, including how they prefer to be managed and communicated with. To take the survey, CLICK HERE. 

Here are some of the perks you'll get when working at ACU of Texas:

• Health Insurance Benefits: Effective after 30 days!
• Sunday's off
• Paid Holidays
• Paid time off: Starts accruing on your first day!
• 401(K) Options, which now includes a Student Loan Repayment Match option
• Tuition Reimbursement Program
• And many more!

The position responsibilities are:

1. Reviews and decisions consumer and indirect loan applications; coach, train and mentor all lenders (such as credit reports, tax returns, pay stubs, loan ratios and collateral informaiotn which is necessary to determine credit worthiness).
2. Works with LPC Operations Manager and VP of Lending to make changes in our internal underwriting procedures and philosophies as needed. 
3. Makes counter-offers when appropriate. Communicates decisions to branch and indirect representatives within service standard time frames. 
4. Will make every effort to provide excellent service to our members through cross-selling, which is the ability to identify and meet the needs of our members with a product or service available through ACU of Texas. 
5. Refer any loan application that cannot be approved by the Junior Underwriter to the appropriate channel. 
6. Be able to give payment quotes, used car quotes, take any loan application or provide any loan service he/she is authorized to perform. 
7. Understand the docprep and funding processes and procedures, and to be able to assist that team when needed.
8. Work with our indirect dealer representative to provide excellent service to our dealerships. 
9. Have a competent working knowledge of our back end systems: Meridian Link, Symitar, CuneXus, Lender's Protection, etc. 
10. Collaborate with various department managers on necessary projects. 
11. Works "on call" weekends as scheduled. 

Qualifications

Education/ Certifications/ Licenses

A high school diploma or GED is required.

Experience

Six months to two years of similar or related experience, including time spent in preparatory positions.

Interpersonal Skills

Courtesy and tact are essential elements of the job. Work involves personal contact with customers and others inside and outside the organization, generally regarding fairly routine matters for the purposes of giving and obtaining inforamtion or instructions, updating or referring. Communications generally require shorter and not in-depth discussions. 

American with Disability Specifications

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to handle, or feel objects, tools or controls; reach with hands and arms; balance; stoop, kneel, crouch or crawl; talk or hear; push/pull, reach and engage in repetitive motions. Occasionally exert up to 10 pounds of force, and/or a negligible amount of force constantly to move objects. Light work involves sitting or standing for lengths of time.

Work Environment

Work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is not exposed to weather conditions. The noise level in the work environment is usually moderate.