<h3>Job Description</h3>
Job description
Mortgage Banker seeking a DE approved Underwriter to underwrite mortgage loans. This person will be responsible for ensuring compliance with appropriate company and secondary market investor standards. The Underwriter will also be responsible for examining loan documentation for accuracy and completeness while working with loan originators or production staff to secure all required documents. Underwriter will be involved with all types of loans including FHA, VA, Conventional and USDA. Direct response to individual and investor audits may also be required.
Required Skills:
-Minimum of 3 years recent underwriting experience
-Strong oral and written communication skills
-Excellent interpersonal skills
-Must have excellent problem solving skills
-Thorough understanding of credit and an ability to review complex financial documents
-Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements
-Ability to make credit recommendations
-Commitment to teamwork
-Ability to keep abreast of guideline changes
-Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
-Self-motivated
-Ability to work in a fast-paced, high volume environment
- Ability to work under minimum supervision
- Strong organizational skills
-Must be familiar with Rural/USDA financing
- Experience in FHA test cases is preferred but not a must.
Desired Skills -Must have a valid Chums ID and VA ID-SAR
Benefits:
<ul>
<li>Dental insurance</li>
<li>Health insurance</li>
<li>Life insurance</li>
<li>Paid time off</li>
<li>Vision insurance</li>
</ul>
Schedule:
<ul>
<li>8 hour shift</li>
</ul>
Work Location: Remote

Underwriter

<h3>Job Description</h3>
RTL/DSCR UNDERWRITER 
 
Center Street Lending is one of the largest specialty lenders in the United States. We provide lending solutions to residential real estate investors. This includes short term lending solutions for Fix/Flip, Ground Up, Single Family Rental and Apartment development projects. The company was created in 2010, and has originated more than $5.5 billion in loans since that time. Center Street Lending prides itself on delivering superior customer service and creative lending solutions by using the collective expertise of its team. Center Street Lending is a certified Great Place To Work™.
 
THIS IS AN ONSITE OPPORTUNITY IN IRVINE. PLEASE ONLY APPLY IF YOU RESIDE IN ORANGE COUNTY, CA.
 
Responsibilities:
<ul>
<li>Playing an integral role within the Credit team, you will provide direct support to the underwriting manager, mentor junior team members, and serve as a resource to the Sales Team and other operating departments.</li>
<li>Analyze all loan documents to determine the borrower’s ability to exit the loan while evaluating loan strength through factors such as ROI, DSCR, and After Repair Value.</li>
<li>Conducting a final integrity analysis to ensure loans meet credit standards, are leverageable, and have crafted analytical narratives highlighting the operator’s ability to exit.</li>
<li>Structuring loans based on a variety of loan programs offered ensuring that any loans perceived to have risk always have clearly stated and identified mitigants.</li>
<li>Analyze all loan documents including appraisal, assets, personal and/or business financials, credit, background, escrow, purchase contract, construction/budget documents and preliminary title reports ensuring acceptance and final loan decision meets products and lending guidelines prior to closing.</li>
<li>Analyze entity documents, be able to recognize nested entities while identify the key entities relevant to the loan application.</li>
<li>Analyze appraisals and secondary valuations in depth with special focus on appropriateness of value.</li>
<li>Takes initiative with a clear business mind, maintain a healthy level of skepticism while remaining pro-deal minded, a problem-solving attitude and a collaborative approach with appropriate parties before, during and after closing.</li>
<li>Escalates loan exceptions to management or Committee Credit for review and final decision outside of lending authority or as designated in the lending guidelines.</li>
<li>Maintains an accurate active pipeline with knowledge of loan details while acting as a Team Player with all internal and external customers.</li>
</ul>
 
Qualifications:
<ul>
<li>2-4 years of recent preferred experience in loan processing, credit analysis, or related fields is required.</li>
<li>Private/RTL/DSCR Lending and a Real estate background required.</li>
<li>Ability to calculate ROI, DSCR, NOI, Debt Yield, and leverage ratios such as LTARV and LTC</li>
<li>Private lending experience preferred.</li>
<li>Familiarity with fair lending practices and an understanding of the Fair Credit Reporting Act and lending industry guidelines</li>
<li>Detailed knowledge of loan processing, underwriting, and closing procedures; proficiency in Outlook, Excel, Word (Microsoft)</li>
<li>Encompass - preferred</li>
<li>Expertise in the use of loan underwriting, processing, and management software</li>
<li>45 – 60 files closures per month – High volume</li>
</ul>
 
ONSITE - IRVINE ,CA
 
Education:
<ul>
<li>Bachelor’s degree preferred.</li>
</ul>
 
Compensation:
<ul>
<li>$36.06 - $43.27 Hourly</li>
</ul>
 
Benefits:
<ul>
<li>Paid time off/401k plan/Company Events</li>
<li>Health insurance/Dental Insurance/Vision</li>
<li>Company Offsite Events</li>
</ul>

<h3>Job Description</h3>
Job Description
OVERVIEW: The Consumer Loan Underwriter is responsible for representing the financial interests of both our Members and the Credit Union. The Consumer Loan Underwriter will be responsible for reviewing, analyzing, approving, and underwriting consumer requests and products within Credit Union and industry guidelines and is responsible for timely turnaround on applications as well as for performance of loans written.
Job Responsibilities
· Ensure excellent member service, every member, every transaction, every time.
· Review credit applications for various types of consumer loans and analyze applicable information (credit reports, collateral valuation, legal documents, etc.) in order to render credit decisions in accordance with lending policies.
· Use discretionary judgment for credit decisions not conforming to lending policies and consult with Lending Manager
· Proactively seek other lending opportunities for each credit applicant.
· Identify and assist in the development of new loan products.
· Respond to and resolve MSR inquiries in a timely manner and facilitate assistance from other staff as appropriate.
· Constantly develop greater knowledge in all areas of credit union operations
· Maintains an in-depth knowledge of the Credit Unions policies and procedures as well as regulations and compliance, both state and federal.
· Required to attend or participate in necessary compliance training. Adheres to Credit Unions service standards and values.
· Represent the Credit Union in a professional and friendly manner, both internally and within the community
· All other duties as assigned.
Company DescriptionWith nearly $100 million in total assets, SCFCU has grown to become one of the prominent credit unions in the Memphis metro. We continue to serve a very loyal member base while offering products and services to new members daily. Our culture here at Shelby County FCU is “member-centric,” meaning we keep our membership top of mind in all we do. 
<h3>Company Description</h3>
With nearly $100 million in total assets, SCFCU has grown to become one of the prominent credit unions in the Memphis metro. We continue to serve a very loyal member base while offering products and services to new members daily. Our culture here at Shelby County FCU is “member-centric,” meaning we keep our membership top of mind in all we do.

Underwriter I

<h3>Job Description</h3>
Job Description
Underwriter IPay Rate: 22.00 per hourColumbus, OH - on site.Temp
Primary Purpose:
This position is responsible for overseeing the Accident &amp; Health portfolio of products from the perspective of risk and profitability, recommending appropriate action as needed, and offering up solutions through a combination of rate adjustments, plan amendments, and distribution modifications. Functions to ensure that A&amp;H underwriting guidelines are adhered to while working in concert with its reinsurers and Actuaries to make risk decisions requiring facultative approval.
salary: $21 - $22 per hour shift: First work hours: 8 AM - 5 PM education: Bachelors 
Responsibilities
<ul>
<li>Order necessary requirements based on group material submitted for completeness</li>
<li>Analyze the risk factors on an enrollment form; apply appropriate medical risk for sound risk decisions utilizing approved medical guidelines provided</li>
<li>Evaluate eligibility of the business (this includes participation, legitimacy of the business)</li>
<li>Process data on web based underwriting applications, and appropriate worksheets</li>
<li>Serves as subject matter expert and contact for North Star Marketing and TPA, works collaboratively with sales offices to meet company objectives while balancing risk</li>
<li>Conducts user acceptance testing, adhering to test plans, and meeting all delivery dates</li>
<li>Establish and maintain strong working relationships with outside vendors and acts as liaison between staff and vendor</li>
<li>Analyzes new business quote/proposal for accuracy</li>
<li>Analyzes broker appointments</li>
<li>Evaluate eligibility and enrollment requirements of new enrollees to employer group plan</li>
<li>Evaluate employer changes, such as waiting period change requests, appeals from businesses and TPA</li>
<li>Build and maintain relationships with internal partners to improve agent satisfaction</li>
<li>Assists with special projects or requests</li>
</ul>
 Skills
<ul>
<li>Medical Terminology (1 year of experience is required)</li>
 Qualifications
<li>Years of experience: 1 year</li>
<li>Experience level: Experienced</li>
 Randstad is a world leader in matching great people with great companies. Our experienced agents will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temporary-to-permanent or permanent opportunities, no one works harder for you than Randstad. 
 Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status. At Randstad, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact <a href="mailto:HRsupport@randstadusa.com" target="_blank">HRsupport@randstadusa.com</a>. Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Randstad offers a comprehensive benefits package, including: medical, prescription, dental, vision, AD&amp;D, and life insurance offerings, short-term disability, and a 401K plan (all benefits are based on eligibility). This posting is open for thirty (30) days. 
</ul>

<h3>Job Description</h3>
Job Description
What You’ll Do:
<ul>
<li>
Review and analyze group materials and enrollment forms to assess medical risk using approved guidelines.
</li>
<li>
Evaluate business eligibility including participation levels and legitimacy.
</li>
<li>
Process data in web-based underwriting applications and worksheets.
</li>
<li>
Lead user acceptance testing and coordinate with external vendors and internal stakeholders.
</li>
<li>
Analyze new business proposals, broker appointments, and employer group changes.
</li>
<li>
Build relationships with internal departments to improve agent and client satisfaction.
</li>
</ul>
What We’re Looking For:
<ul>
<li>
Strong grasp of medical terminology and/or anatomy is essential.
</li>
<li>
Bachelor’s degree preferred — or equivalent insurance-related experience.
</li>
<li>
Familiarity with health insurance markets and underwriting concepts.
</li>
<li>
Strong computer skills, especially in Microsoft Office; experience with Access is a plus.
</li>
</ul>
Schedule:&nbsp;Monday to Friday, typical business hours&nbsp;
Apply Now
If you're detail-oriented, thrive in a fast-paced environment, and ready to leverage your medical expertise in underwriting — submit your application today! Interviews are moving quickly, so don’t wait.
Company DescriptionRandstad Staffing. We provide outsourcing, staffing, consulting, and workforce solutions within the areas of engineering, accounting and finance, healthcare, human resources, IT, legal, life sciences, manufacturing and logistics, office and administration, and sales and marketing. We can’t wait to tell you all about it! 
<h3>Company Description</h3>
Randstad Staffing. We provide outsourcing, staffing, consulting, and workforce solutions within the areas of engineering, accounting and finance, healthcare, human resources, IT, legal, life sciences, manufacturing and logistics, office and administration, and sales and marketing. \r\n\r\nWe can’t wait to tell you all about it!

<h3>Job Description</h3>
We are seeking a motivated and detail-oriented Underwriter I to support credit analysis and underwriting for commercial floor plan and equipment financing loans. This is an associate level role focused strictly on B2B commercial lending. The Underwriter I will assist in analyzing credit risk, preparing loan packages, and ensuring compliance with credit policies and procedures.
Key Responsibilities:
<ul>
<li>Assist in underwriting commercial floor plan and equipment finance loans</li>
<li>Analyze borrower financials, credit history, and collateral information</li>
<li>Prepare credit memos and documentation for review by senior underwriters or credit committees</li>
<li>Support internal teams with data validation and credit-related inquiries</li>
<li>Utilize tools such as Moody’s Analytics (preferred) or similar systems for risk analysis</li>
</ul>
Must Haves:
<ul>
<li>Recent experience in floor plan lending (required)</li>
<li>Some experience with commercial loan underwriting or credit analysis</li>
<li>Understanding of B2B lending practices and financial statement review</li>
<li>Strong analytical, organizational, and communication skills</li>
</ul>
Nice to Have:
<ul>
<li>Experience with Moody’s Analytics or similar credit risk platforms</li>
<li>Exposure to equipment financing or dealer lending environments</li>
</ul>
This is a great opportunity for someone early in their underwriting career to gain experience in high-volume commercial lending and develop advanced credit analysis skills in a specialized lending division.

<h3>Job Description</h3>
Summary:&nbsp;
 
The Underwriter I is responsible for executing strategic initiatives and achieving financial objectives within the underwriting department to support the company's revenue and profitability targets. This role involves underwriting new and renewal insurance applications, understanding exposures associated with each risk, determining risk acceptability, and establishing appropriate pricing. The Underwriter I collaborates closely with agents to drive new submission opportunities, deliver best-in-class customer service, and works with internal departments such as Loss Control, Marketing, and Claims to ensure a successful experience for agents, policyholders, and internal stakeholders.
 
A Commercial Underwriter evaluates the risk associated with insuring businesses and commercial entities to determine appropriate coverage and premium levels. Key responsibilities include:
 
 Essential Duties and Responsibilities: 
 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Responsible for quoting new and renewal business. 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review submissions from agents, ensuring all required documentation is complete (applications, loss runs, etc.)
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review and assess all eligible new and renewal business submissions to maximize profitability and retention. 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Analyze and document risks for business eligibility in support of the company’s Underwriting guidelines.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delivers timely issuance of quotations, policies, renewals, endorsements and cancellations.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Develop high quality company-agency and company-client working relationships. 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maximizes agency and policyholder retention.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Obtains experience mod and ownership information from NCCI and NCRB for all risks.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Works with new prospective agents to build relationships, sell culture, and build mutual growth.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delivers timely customer service to clients, company personnel, and agency partners.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conducts all business in a professional manner and with the highest ethical standards.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maintains confidentiality of all information obtained during the course of employment.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Continue professional growth and development through assisting with company projects, participating in company events, insurance industry functions and through self-study. 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review monthly reports, individual results and goals and implement necessary changes to ensure strategic initiatives and operational objectives are being met.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Manage book of business and agency related results and concerns by monitoring reports and communications and facilitate collaboration between Underwriters, Claims, Risk Management and others as outlined in the Interdepartmental Communication Requirements document.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other duties as assigned.
 
 
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
 
 
Education/Experience
Bachelor’s degree in insurance or business or related degree is preferred. Two or more years of underwriting experience.
Licenses/Credentials
Insurance designations (CPCU, CIC, or equivalent) are a plus.
 
Required Skills/Abilities
<ul>
<li>Experience in commercial property and casualty space.</li>
<li>Experience working as an underwriter.</li>
<li>Strong analytical skills and decision-making skills.</li>
<li>Strong technological skills with ability to use multiple computer applications and programs.&nbsp;</li>
<li>Strong knowledge of MS Office Suite applications, spreadsheets, report writers, word processors, PowerPoint and information systems.&nbsp;</li>
<li>Strong oral and written communication skills with the ability to clearly communicate across many levels within the organization as well as externally.</li>
<li>Strong organizational skills and ability to work with little or no supervision.</li>
<li>Ability to work independently while managing multiple submissions and deadlines.</li>
</ul>
 
Work Environment:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. &nbsp;Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
 
The work is typically performed in an office environment, with a moderate noise level. Occasional travel to other company locations may be required. 
 
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.
 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prolonged periods sitting. 
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Kneeling to reach storage.
·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ability to lift up to 10 pounds at times.
Fast-paced environment with constant multi-tasking in a fluctuating environment

<h3>Job Description</h3>
Job DescriptionDescription:
About Us
 
Founded in 2007, Biz2Credit is rated as the Number 1 small business financing resource in the U.S. by Entrepreneur Magazine. Till date, we've facilitated more than $8 billion in small business funding.
 
Biz2Credit, an all-in-one financing solution for entrepreneurs to get small business funding with fast approval process. Explore the best small business financing options with us!
 
­­­­Biz2X is the technology platform that has helped Biz2Credit become the premier alternative funder for small businesses. Now, traditional banks are leveraging our expertise and experience to automate small business lending. Biz2X allows banks to implement AI-powered digital banking. This allows bank’s clients to have a fully omnichannel experience with data and workflows that adapt seamlessly to the bank’s core banking systems.
 
Biz2X platform’s world-class risk solutions are based on AI algorithms that enables auto decision-making and quick processing. Biz2X is “One Platform That Does It All” - automates lending, optimizes risk management, and improves operational efficiency.
 
About the role
 
As a Senior SMB Finance Underwriter at Biz2Credit, you will play a vital role in evaluating loan applications and assisting with the underwriting process.
We are currently seeking an experienced SMB Finance Underwriter to join our team at the New York Office. In this role, you will be responsible for performing comprehensive financial analysis on small businesses, including trend and ratio analysis. Your expertise will be crucial in interpreting financial information to assess credit quality and cash flow, enabling us to make informed lending decisions.
 
Responsibilities
<ul>
<li>Review loan applications and supporting documentation to determine eligibility and creditworthiness of borrowers.</li>
<li>Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk and make informed lending decisions.</li>
<li>Conduct comprehensive due diligence and verify accuracy of information provided by applicants.</li>
<li>Responsible for full cycle underwriting of assigned small business financing.</li>
<li>Collaborate with the Underwriting team to identify potential red flags and mitigate risk.</li>
<li>Stay updated with industry trends, regulations, and underwriting guidelines to ensure compliance.</li>
<li>Communicate effectively with internal stakeholders, including Relationship Managers, to gather necessary information and clarify requirements.</li>
<li>Maintain accurate and detailed documentation of underwriting decisions and findings.</li>
</ul>
Requirements:
<ul>
<li>Bachelor's degree preferred but not mandatory in finance, accounting, or a related field</li>
<li>5 or more years of experience in Small Business Finance Underwriting.</li>
<li>Previous experience in underwriting, credit analysis, or a similar role is preferred</li>
<li>Strong analytical skills with the ability to interpret complex financial data and make informed decisions.</li>
<li>Familiarity with financial statements, tax returns, and credit reports.</li>
<li>Knowledge of underwriting principles, lending regulations, and risk assessment methodologies.</li>
<li>Excellent attention to detail and the ability to work in a fast-paced environment.</li>
<li>Strong organizational and time management skills, with the ability to prioritize tasks effectively.</li>
<li>Excellent written and verbal communication skills.</li>
<li>Proficient in using MS Office suite and other relevant software applications.</li>
</ul>
Why Join Us
<ul>
<li>Opportunity to work in a fast-growing and innovative fintech company.</li>
<li>Exposure to a diverse range of clients and industries.</li>
<li>Collaborative and inclusive work environment.</li>
<li>Competitive salary and benefits package.</li>
<li>Continuous learning and professional development opportunities.</li>
<li>Opportunity for growth and advancement within the company.</li>
</ul>
 
If you are a self-motivated individual with a passion for finance and a keen eye for detail, we would love to hear from you. Apply now and join our team as a Senior Underwriter at Biz2Credit!
 
Benefits &amp; Perks
Generous medical, dental, and vision insurance.
401K match, stock options, commuter benefits, and employee incentive plan.
Catered lunch and team events.
 
In the News
Named to Deloitte Technology Fast 500
Inc 5000 - Fastest-Growing Private Companies in America
America's fastest growing private companies in 2024
CNBC - World's Top Fintech 2024 
 
Salary Range
 
$85k-$110k

Senior Underwriter

<h3>Job Description</h3>
Job Description
Job Title: Remote Risk Underwriter
Hourly Pay: $35 $40/hour
Summary: 
We are looking for an experienced Risk Underwriter to join our remote team. In this role, you will assess and manage the risks associated with loan applications, insurance policies, and financial transactions. If you have expertise in risk evaluation, financial analysis, and underwriting, this is an excellent opportunity to apply your skills in a flexible, remote work environment.
Key Responsibilities:
 
<ul>
<li>Evaluate and assess risk factors for loan, insurance, or financial product applications</li>
<li>Analyze applicant data, credit reports, and financial statements to determine potential exposure</li>
<li>Use risk management tools and methodologies to assess transaction risks</li>
<li>Approve, deny, or recommend modifications to applications based on risk evaluation</li>
<li>Collaborate with risk and underwriting teams to ensure consistency with company policies</li>
<li>Deliver risk assessments and strategic recommendations to senior leadership</li>
<li>Ensure compliance with regulatory requirements and internal underwriting standards</li>
</ul>
Qualifications:
 
<ul>
<li>Proven experience as a Risk Underwriter or in a similar risk management/underwriting role</li>
<li>Strong understanding of credit assessment, financial analysis, and risk modeling</li>
<li>Proficiency in risk management systems, underwriting platforms, and analytical tools</li>
<li>Excellent judgment, problem-solving, and decision-making capabilities</li>
<li>Ability to work independently and manage complex assessments in a remote environment</li>
<li>Reliable internet connection and a quiet, dedicated workspace</li>
</ul>
Perks &amp; Benefits:
 
<ul>
<li>
100% remote work flexibility
</li>
<li>
Competitive hourly pay: $35 - $40
</li>
<li>
Paid training and ongoing professional development
</li>
<li>
Flexible working hours, including evening and weekend options
</li>
<li>Career growth opportunities in risk management and financial underwriting</li>
<li>
A collaborative, supportive team environment
</li>
</ul>

Risk Underwriter

<h3>Job Description</h3>
Job Description
Summary of Role: Responsible for decisioning consumer loan applications in a timely manner within the credit union expectations. The role involves analyzing applicant’s character, financial position, and credit to determine ability to repay. Strong focus on compliance with all state, federal, and NCUA regulations and maintaining high accuracy rating while providing exceptional service. 
Essential Duties and Responsibilities
<ul>
<li>Responsible for the day-to-day underwriting decisions, evaluating loan requests to approve, deny, or send counter offers in accordance with the credit union policies, procedures, and any applicable state and federal laws and regulations.</li>
<li>Evaluate the creditworthiness of applicants by reviewing credit reports, calculating and reviewing ratios and assessing the quality of collateral being pledged.</li>
<li>Make credit decisions within established lending authority and recommend higher-level approvals when applicable.</li>
<li>Demonstrate a high level of integrity and confidentiality when handling member and team member information.</li>
<li>Possess excellent verbal and written communication skills to share loan decision quickly and effectively to exceed member’s expectations while protecting the credit union.</li>
<li>Manage different workflows and queues to ensure the department’s goals are met.</li>
<li>Actively engage in continuing education to stay up to date with the credit union’s consumer lending products, procedures and policies, as well as relevant state and federals laws and regulations.</li>
<li>Attend meetings and training sessions as instructed.</li>
<li>Perform additional duties as necessary to support the credit union’s core values, Mission and Vision.</li>
<li>Promote the credit union’s sales and service philosophy by educating team members and suggesting additional products and services members can benefit from.</li>
<li>Support the Credit Union's culture of compliance by understanding and complying with all federal and state regulations.</li>
<li>May perform other duties as assigned.</li>
<li>Regular in-person attendance is an essential function of this position.</li>
</ul>
Education
<ul>
<li>High School Diploma. </li>
</ul>
Experience
<ul>
<li>Minimum of 2 years’ experience in consumer loan underwriting is preferred.</li>
<li>Experience with Loan Originating Systems (LOS) such as Meridianlink Consumer and Meridianlink Mortgage preferred.</li>
<li>Knowledge or experience with Episys Quest (Symitar) is preferred.</li>
</ul>
Skills
<ul>
<li>Proficiency in using Microsoft Office Teams, Word, and Excel is required.</li>
<li>Detail-oriented professional with high level of accuracy in reviewing loan applications to identify and correct discrepancies.</li>
<li>Excellent critical thinking skills to review various complex financial information to make an informed credit decision.</li>
<li>Strong multitasking skills to manage workload efficiently and meet the credit union’s expectations.</li>
</ul>
Abilities
<ul>
<li>Ability to work in a fast-paced environment while managing multiple tasks within tight deadlines.</li>
<li>Ability to communicate effectively both written and verbal.</li>
</ul>
Job Type: Full Time
<ul>
<li>On site position (In office)</li>
</ul>
Salary: Compensation is commensurate with experience.
Benefits: 
<ul>
<li>Medical insurance</li>
<li>Dental insurance</li>
<li>Vision insurance</li>
<li>401(k) with company match</li>
<li>Paid time off</li>
<li>11 Paid holidays</li>
<li>Employee discounts</li>
<li>Tuition Reimbursement</li>
<li>Professional Counseling &amp; Family Support</li>
<li>Additional benefits</li>
</ul>
Physical Demands
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
While performing this job, the noise level in the work environment is Moderate Noise (Examples, business office with typewriters, telephones, and or computer printer, light traffic)
To perform this job successfully, an individual must be able to satisfactorily perform each essential duty with or without accommodation. The requirements listed above are representative of the knowledge, skill, physical demands and /or ability necessary to achieve success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Link: Accommodations | U.S. Department of Labor (dol.gov)
 
Equal Opportunity Employer
Orlando Credit Union (OCU) is an equal opportunity employer. OCU prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.

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