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Direct Consumer Underwriter II

Direct Consumer Underwriter II

Job ID 
2017-9952
Location 
US-MS-Pearl
Posted Date 
9/13/2017
Category 
Underwriting
Type 
Regular Full-Time
Job Grade 
11
FLSA Status 
Exempt
Working Hours 
8am - 5pm
Job Location: Company 
Consumer Loan Center - 0121

More information about this job

Overview

The purpose of this job is to review and evaluate consumer loan applications and render approval or denial decisions based upon bank credit qualifying criteria.

Responsibilities

  • Approve, decline, or conditionally approve consumer loan application packages and provide supporting documentation
  • Perform analysis of the credit transaction by reviewing the credit score(s), credit quality of the personal credit bureau reports, debt ratios, collateral, structure, adjusted net worths, etc.
  • Prepare loan recommendation for the Retail Second Review Committee
  • Ensure compliance with bank regulatory requirements
  • Interact with lenders and Community Bank Presidents to determine appropriate low and high side overrides
  • Assist Sr. Underwriter in reviewing loan decisions of junior underwriters.

Qualifications

  • Advanced knowledge in consumer credit analysis and experience in consumer lending
  • Advanced knowledge in bank lending policies and consumer compliance regulatory requirements
  • Advanced knowledge of credit scoring principles and principles of finance
  • Knowledge of loan documentation and collateral perfection requirements
  • Ability to analyze data and make a credit decision in a fast paced environment
  • Communication skills
  • Computer skills
  • Interpersonal skills
  • 4 year degree with 2 years underwriting experience

-OR-

  • High School diploma with 4 years underwriting experience