Consumer Credit Supervisor jobs in Irvine, CA

The Underwriter – Consumer is responsible for conducting credit analysis and underwriting for consumer real estate loans as well as other types of loans as needed. The Underwriter will determine the general credit worthiness of prospects and the merits of their loan requests.

RESPONSIBILITIES

• Responsible for analyzing and underwriting HELOC (Home Equity Line of Credit) and Consumer loan requests.
• Conducts an in-depth analysis of financial records, including but not limited to current rent rolls, profit and loss statements, lease or rental agreements, Schedule of Real Estate, Tax Returns, etc.
• Create spreadsheets analyzing Borrower financial statements and tax return analysis.
• Ensure that all aspects of the requested loan adhere to the Bank’s credit policies and meet regulatory requirements.
• Review and analyze third-party reports (Appraisal, Environmental, Title and Escrow).
• Prepare Credit Approval Memorandums for presentation and submit for approval.
• Prepare Notice of Approval/Denial.
• Effectively communicate underwriting questions to Relationship Managers. Follow up on information needed to make credit decisions.
• Maintain accurate communication documentation and status updates throughout the underwriting process.
• Other duties as assigned.

QUALIFICATIONS

• 2 – 4 years consumer real estate underwriting experience required.

A reasonable, good faith estimate of the minimum and maximum base salary or pay for this position is $79,713.92 to $100,000.00. Actual compensation will vary based on various factors including but not limited to location, experience, and performance. A discretionary bonus and/or business line incentive may be provided, in addition to a medical and other benefits, dependent on the position. For more information regarding our benefits, please visit https://www.ppbi.com/careers.html

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)