TITLE: Underwriter

REPORTS TO: AVP, Loan Support

SUPERVISES: None

Position Summary

Responsible for evaluating, underwriting, preparing loan documents, and funding consumer loan applications in accordance with loan policy and procedures, while ensuring compliance with state and federal regulations. You will also demonstrate teamwork by positively engaging and cooperating with fellow associates, management, and various branches and departments, all while actively supporting and promoting the Credit Union's Vision, Mission, Culture, and Core Values.

Primary Responsibilities

• Review loan applications, credit reports, and supporting documents for accuracy and completeness.
• Verify borrower information, employment history, income, and membership status.
• Ensure loan applications and documentation align with loan policy, lending guidelines, and banking regulations.
• Demonstrate comprehension of Kentucky title liens and the procedures required to ensure that Service One Credit Union is correctly listed as the primary lienholder on our vehicle loans.
• Promptly detect and address discrepancies or problems in loan files, taking corrective measures to uphold file integrity.
• Accurately prepare loan documents in accordance with underwriting decisions.
• Ensure timely and compliant funding of loans.
• Conduct rigorous quality control checks on loan files to minimize errors.
• Properly archive documentation for future reference.
• Prepares and delivers adverse actions notices.

Additional Responsibilities

• Exemplifies and promotes the Credit Union's culture including its Vision, Mission, and Core Values.
• Participates in Credit Union special projects and
• Perform quality control review of loan documents.

Educational/Experience Requirements

• Associate Degree in a related field preferred.
• Minimum of 3-5 years of related experience in the financial services industry preferred.

Physical Requirements

The physical demands described here are representative of those that must be met by an associate 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 associate is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, and see, talk or hear. The associate is frequently required to stand and walk. The associate must regularly lift and/or move 20-35 pounds and occasionally lift and/or move up to 80 pounds.

Qualifications

• Time-management and organization skills.
• Ability to work with strict deadlines.
• Excellent interpersonal, verbal, and written communication skills.
• Strong written, verbal, and presentation communication skills with the ability to communicate in a clear and concise manner.
• Strong organizational skills, detail oriented, efficient and ability to maintain a high degree of accuracy.
• Strong understanding of state and federal regulations related to consumer lending.

The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required.