Consumer Lending Funding & Underwriting Specialist

Paycom - ATS; Fishers (IN); On-site; USD 52,000 - 76,000; Full time

Benefits offered by this job

Medical, Dental, and Vision Insurance

401(k) Retirement Plan with Generous M

Professional Development Reimbursement

Paid Vacation (3+ weeks)

Eleven Paid Holidays

Paid Volunteer Time

Annual First Internet Bank-brandedMer

Job summary

First Internet Bank of Indiana is seeking a Consumer Lending Analyst in Fishers, IN to handle loan funding, document preparation, closing, booking and post-closing title follow-up.

You will review loan applications for creditworthiness and ensure compliance with underwriting guidelines and regulatory requirements, while maintaining strong attention to detail and professional communication with customers and dealers.

Qualifications

• A minimum of one year of front line or operational banking experience is required.
• A bachelor's degree will also be considered.
• High school diploma or equivalent required.
• Consumer lending experience, including experience with loan funding or underwriting, preferred.
• Knowledge of consumer credit, loan documentation, lending regulations, underwriting guidelines, and title and lien requirements preferred.
• Ability to review credit, income, debt, collateral, and loan-to-value information.
• Strong organizational skills and attention to detail.
• Strong written and verbal communication skills.
• Judgment to make decisions and ability to document decisions within assigned authority and to recognize when escalation is required.
• Proficiency with Microsoft Word, Excel, Outlook, and applicable lending systems.
• Ability to work independently and manage responsibilities across multiple lending functions.

Responsibilities

• Prepare and review consumer loan documents for accuracy, completeness, and compliance with bank and regulatory requirements.
• Complete loan closings and book funded loans accurately into the bank’s operating systems.
• Perform post-closing title and lien follow-up, document collection efforts, and elevate unresolved issues when necessary.
• Review consumer loan applications and supporting documentation for creditworthiness and compliance with underwriting guidelines.
• Analyze credit reports, income, debt obligations, collateral, and loan-to-value.
• Approve, decline, or recommend loan requests within assigned authority and escal[e] exceptions to the appropriate approval level.
• Document underwriting decisions, conditions, exceptions, and required stipulations.
• Communicate loan decisions and documentation requirements to dealers, customers, and internal partners.
• Provide professional service and maintain positive relationships with dealers, customers, and coworkers.
• Follow established controls and maintain appropriate separation of duties across underwriting, funding, booking, and post-closing activities.
• Assist with workload balancing across funding, title follow-up, and underwriting.
• Perform other duties as assigned.

Skills

Credit analysis

Underwriting

Attention to detail

Communication skills

Education

High school diploma or equivalent

Bachelor's degree considered

Tools

Microsoft Word

Excel

Outlook

Job description

First Internet Bank of Indiana is seeking a Consumer Lending Analyst in Fishers, IN to handle loan funding, document preparation, closing, booking and post-closing title follow-up.

You will review loan applications for creditworthiness and ensure compliance with underwriting guidelines and regulatory requirements, while maintaining strong attention to detail and professional communication with customers and dealers.