Consumer Lender - Underwriter I

County National Bank; Hillsdale (MI); Hybrid; USD 45.000 - 65.000; Vollzeit

Zusammenfassung

County National Bank in Hillsdale, MI, seeks a Consumer Lender – Underwriter I to underwrite consumer loan applications and determine credit worthiness. The role supports branch managers, adheres to underwriting guidelines, and ensures timely decisions within approval limits.

The position is on-site in Hillsdale with a hybrid/remote option available. Required: Associate degree and 3+ years banking experience; preferred: Bachelor’s degree and 3+ years of loan experience.

Qualifikationen

• Associates degree in Business or Finance.
• Minimum of three (3) years of general banking experience.
• Bachelor’s degree in Business or Finance (preferred).
• Three (3) years of loan experience (preferred).

Aufgaben

• Reviews underwriting submissions and provides timely underwriting decisions.
• Validates loans per policy and underwriting guidelines.
• Assists loan originators with income analysis and underwriting questions.
• Inputs loan information and maintains disclosures and documentation.
• Prepares, processes, and maintains adverse action notices and denial records.
• Manages portfolio past-due activity and loan reviews with Loss Mitigation.
• Maintains and develops indirect lending relationships with dealer partners.
• Trains staff on lending software and policies.

Kenntnisse

Client service

Interpersonal skills

Teamwork

Lending policies

Accounting basics

Financial reports

Verbal communication

Written communication

Data entry

Multitasking

MS Office

Confidentiality

Analytical skills

Organizational skills

Ausbildung

Associates degree in Business or Finance

Bachelor’s degree in Business or Finance

Tools

MS Word

Excel

Outlook

Jobbeschreibung

• Location 1 S Howell St,Hillsdale, MI, 49242,United States
• Employee Type Non-Exempt
• Required Degree 2 Year Degree
• Manage Others No

• Phone [phone]

County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to “sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and provide outstanding client service and solid financial performance.”

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Consumer Lender - Underwriter, for our Main Office in Hillsdale, Michigan. This position will be ON-SITE in Hillsdale.

JOB SUMMARY

The Consumer Lender/ Underwriter I underwrites and evaluates consumer loan applications and documentation to determine credit worthiness. This position is responsible for approval or rejection of loan requests within loan approval limits. Consumer Lender/ Underwriter assists branch managers/officers in qualifying loan applications while adhering to all underwriting guidelines, policies, and procedures.

DUTIES

• Reviews submissions to the underwriting queue and provides timely underwriting decisions, second reviews, and adverse action processing in accordance with departmental guidelines and established turnaround times.
• Validates loans in accordance with loan policy and underwriting guidelines, obtains required approvals, and reviews, analyzes, approves, or denies consumer and indirect loan applications.
• Assists loan originators with self-employed income analysis, qualifying income determination, borrower pre-approvals, and underwriting-related questions.
• Verifies and inputs loan information into the loan administration system, provides underwriting checklists, and obtains signed disclosures and required documentation to ensure complete loan packages.
• Prepares, processes, and maintains adverse action notices and consumer loan denial records for denied, withdrawn, or incomplete loan files in accordance with Bank procedures.
• Manages portfolio past-due activity, maturing loans, annual high-risk HELOC reviews, and non-accrual real estate loans in coordination with Loss Mitigation.
• Maintains and develops indirect lending relationships, including regular communication and visits with dealer partners, while ensuring dealers receive current forms, rate sheets, revisions, and promotional materials.
• Trains new users on lending software and provides ongoing training to consumer loan and branch staff regarding lending policies and procedures.
• Identifies opportunities to improve operational efficiencies, loan products, processes, and revenue generation.
• Maintains regular communication and collaboration with loan personnel, tellers, branch staff, outside offices, clients, insurance vendors, and indirect dealer partners to resolve issues and support daily operations.
• Maintains confidentiality of client information, regular and timely attendance, and current knowledge through assigned training and industry updates.
• Ensures compliance with all regulatory requirements, including Bank Secrecy Act requirements.
• Performs additional duties as assigned.

Qualifications

Required:

• Associates degree in Business or Finance.
• Minimum of three (3) years of general banking experience.

Preferred:

• Bachelor’s degree in Business or Finance.
• Three (3) years of loan experience.

SKILLS

• Strong client service orientation and ability to promote excellent service standards.
• Excellent interpersonal skills, including tact, cooperation, and professionalism.
• Positive and collaborative approach to teamwork. Knowledge and experience in lending procedures and policies.
• Knowledge of basic accounting principles.
• Ability to read and interpret financial reports and legal documents.
• Strong verbal communication and presentation skills.
• Strong written communication and proofreading skills with attention to detail.
• Ability to maintain confidentiality and handle sensitive information.
• Excellent analytical, organizational, and decision-making abilities.
• Strong computer proficiency in MS Word, Excel, and Outlook.
• Accurate and efficient data entry and keyboarding skills.
• Ability to organize, prioritize, and multitask in a fast-paced environment.
• Ability to work under pressure and manage strict timelines and demanding clients.

This position is an on-site position located in the Hillsdale office. There is a hybrid/remote option available.

Physical Requirements

• Sit/stand for long periods of time.
• Ability to see difference between colors, shades, and brightness to identify documents.
• Comfort with using a phone, fax, or other devices for calls, document sharing, and communication.
• Ability to travel independently and unassisted.