Consumer Lending Underwriter
Job Posting for Consumer Lending Underwriter at Equity Bank
Position Opening: Consumer & Small Business Underwriter
Department: Credit Administration
Location: Wichita, Kansas
Salary: FT Salary
Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service. At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values.
Responsibilities and Expectations
- Underwrite/Decision all Consumer Loans, Small Business Loans and Small Business Credit Cards if the aggregate lending relationship is under $250,000. Small Business Products would include the following: Commercial/Ag Unsecured, Commercial/Ag UCC & Titled, Commercial/Ag Real Estate, Commercial/Ag Possessory.
- Review customer credit reports
- Review/Verify customer income documentation
- Review Business Tax Returns and Financial Statements for Business Applications
- Review any Guarantor Income and Credit Information for Business Applications
- Review/Verify loan collateral
- Prepare Documents in Laser Pro
- Ensure Compliance for Loan Applications/Denials/Withdrawals
- Deliver OUTSTANDING Customer Service to Customers both internal and external
System/Software
- Become an expert in the application/underwriting software (Decision Pro, etc.)
- Assist in training loan officers in Decision Pro and other necessary programs
- Trouble-shoot Decision Pro system issues as they arise
- Assist in customizing/tailoring Decision Pro as needed
Reports
- Compile ‘Closed Loan’ report daily
- Compile ‘Pending Applications’ & ‘Denied/Withdrawn’ reports weekly
- Compile ‘Officer Override’ report monthly
- Use Home Equity Line of Credit Reports to customize forms and reports in Decision Pro
Other
- Oversee Release of liens, UCCs, or Mortgages on Closed Loans when necessary
- Produce Adverse Action letters on ERLOCs (done through Laser Pro)
- Send new/canceled credit life statements twice a month & clear appropriate GLs once funds are received
- Perform other duties as assigned or required.
Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
Who we are
Equity Bank, a full-service, $5 billion community bank, is based in Wichita, Kansas, with 70 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma.
At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.
Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.
At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth. We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.
Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.
What’s in it for you?
We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.
Benefits Available:
- Health, Dental & Vision Insurance
- Group Life & Long-Term Disability Insurance
- Flexible Spending & Health Savings Accounts
- Group Cancer Insurance
- 401(K) Retirement Plan w/ Company Match
- Generous Vacation & Sick Time
- Employee Stock Purchase Plan (ESPP)
- Pet Insurance
- Retail Banking Benefits
Find your future at Equity Bank!
Required Skills & Education
- Bachelor’s degree preferred.
- 3-5 years banking experience required
- 3-5 years supervisory experience required
- Excellent interpersonal skills and professional manner
- Computer skills, especially the ability to work in Windows based systems
- Employee is responsible for understanding and following the applicable laws and regulations for their job responsibilities including but not limited to Equity Bank Business Ethic and Conduct policy, Bank Secrecy Act, Information security, and Suspicious Activity reporting requirements.
The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements.
Physical Requirements
This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 10 pounds on an occasional basis. Must be able to talk and listen to others. Frequently uses hands and fingers to handle or feel. Requires ability to see up close and distant, distinguish colors, peripheral vision, depth perception and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work Environment
This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.
Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s race or skin color, national origin or ethnicity, religious beliefs, age, sex, physical or mental ability.
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Salary.com Estimation for Consumer Lending Underwriter in Wichita, KS
$65,735 to $86,798
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