Direct Consumer Underwriter I

The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.

• Approve, decline, or conditionally approve consumer loan applications and provide supporting documentation
• Perform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factors
• Prepare loan recommendations for the HMDA Retail Second Review Committee
• Ensure compliance with all Bank regulatory requirements
• Interact with Loan Officers to gather the information necessary to analyze each loan application
• Perform additional duties as assigned.

• Four-year college education OR High School Diploma with two years of direct consumer underwriting experience
• Basic knowledge of consumer credit analysis with work experience in consumer lending
• Basic knowledge of bank lending policies and related regulatory requirements
• Basic knowledge of credit scoring principles and principles of finance
• General knowledge of loan documentation and lien perfection requirements
• Communication skills
• Basic Computer skills
• Interpersonal skills
• Working knowledge of Action Underwriting System preferred 
• Basic knowledge of Trustmark Consumer Credit products preferred
• Working knowledge of Microsoft Office applications preferrred