Consumer Underwriter

Kleberg Bank, N.A. believes that the customer’s experience is our Brand.  Each individual at Kleberg Bank, N.A. is committed to providing “Excellent” customer service. The Consumer Underwriter I position requires an aptitude toward sales, analytics and problem solving.  The ability to “Think outside the box” and creatively are a must.  This position supports the Underwriting Manager with underwriting of consumer loan applications, reporting, relationship development and compliance.

The following essential duties do not cover an all-inclusive list of work requirements. Individuals will perform other job-related duties as assigned, including work in other areas to cover absences or otherwise balance the workload.

Essential Duties: 

1. Underwrite direct and indirect consumer credit applications received from internal relationship bankers and external indirect automobile dealerships.
2. Communicate lending decisions internally and externally.
3. Assist bankers with direct applications, understanding loan decisions and suggesting alternative products for customers.
4. Assist with collection efforts as needed.
5. Contact assigned dealers to build personable relationships, ask for business and obtain commitments on approved applications.
6. Acts as internal sales, building and maintaining professional relationships with dealership employees and management.
7. May occasionally need to assist with funding, collections and other department related tasks.
8. Audit and review applications for credit and existing loans as required.

Competencies: 

1. Ability to review and understand financial data including credit reports, income documentation and related ratios.
2. Ability to communicate verbally and in writing.
3. Ability to understand and adhere to government lending laws and regulations.
4. Ability to understand and follow bank lending policy.
5. Complete required annual continued education as assigned.
6. Must have high degree of attention to detail.

Supervisory Responsibility:

This position has no supervisory responsibilities.

Work Environment: 

This job operates in a bank branch office.  It is a professional environment.  The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. 

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 accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use vision; hands to manipulate, handle, or feel; reach with hands and arms; and to talk and hear.  The employee frequently is required to walk and sit.  The employee must occasionally lift and/or move up to 25 pounds.  

Position Type/Expected Hours of Work:

This is a full-time, exempt position. Days and hours of work are Monday through Friday, 9:00 a.m. to 6:00 p.m.  Frequent evening and weekend work is required as job duties demand to assist customers and attend networking events.

Travel:

No travel is expected for this position.

Required Education and Experience:

• High School diploma or equivalent required.
• Minimum two (2) years of experience reviewing credit reports and income documentation and related ratios.

Preferred Education and Experience:

• Bachelor’s degree in finance, accounting or a related field is preferred. Will consider applicants with an equivalent combination of education and experience.

Additional Qualifications:

Ability to learn and use job specific software.  Evaluates and learns the technological skills necessary to efficiently and effectively perform the functions of this job.  Develop clear, concise, and easy to understand documents using database, spreadsheet, word processing and/or desktop publishing software. 

AAP/EEO Statement:

Kleberg Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status of protected veteran, among other things or status as a qualified individual with a disability.

Other Duties:

Duties, responsibilities and activities may change at any time with or without notice.