Job Description
Description:
POSITION TITLE: Junior Underwriter
DEPARTMENT: Lending
POSITION FUNCTION:
Under the general supervision of the Loan Origination Manager, performs a wide variety of duties related to consumer loans including indirect lending, home equities and mortgages.
ESSENTIAL FUNCTIONS:
1. Enter loan applications into core software systems. Prepare and mail initial disclosures as required
2. Review and analyze financial documents including credit reports, income documents and other relevant documents to determine member’s credit worthiness and risk level.
3. Make loan recommendations based on the Credit Union’s Lending Policies, Guidelines and Product Matrices
4. Issue loan decisions for personal loans, auto loans, indirect loans and equities within approval authority.
5. Review all home equity and mortgage loan applications for accuracy and completeness and prepare initial and closing documents within the TRID guidelines along with reviewing financials, credit and collateral.
6. Review all home equity and mortgage documents for accuracy and completeness. Verify that conditions of approval have been satisfied prior to closing. Review of financials, credit and appraisals with the Loan Origination Manager
7. Coordinate closing activities and prepare documents as necessary.
8. Communicate the status of loan applications to all appropriate parties.
9. Maintain your own job knowledge and skill level needed to meet the requirements of the position. (increase knowledge of different types of income and collateral)
ADDITIONAL RESPONSIBILITIES:
This position description covers the more prominent duties performed, and is not limited to other work duties that may be assigned.
Requirements:JOB REQUIREMENTS
1. Previous Lending Experience
2.Hand dexterity required to operate computer terminal and/or related equipment.
3. Eye coordination required to operate computer/teller terminal.
4. Sitting at desk or computer workstation for periods of time.
5. Travels to Credit Union facilities/locations as required.
6. Moves around credit union between levels or floors while performing duties.
7. Bending and stretching in work area.
8. Speaks and listens to members and explains credit union services.
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