Consumer Loan Underwriter

Peak Credit Union; United States; Remoto; USD 69.000 - 78.000; Tempo integral

Benefícios oferecidos por esta vaga

Full benefits

401k plan

Paid holidays

Resumo da vaga

Peak Credit Union is seeking an experienced Consumer Loan Underwriter to support auto, secured and unsecured loan products. You will analyze applications, credit reports, and collateral to make funding decisions within policy and regulatory guidelines.

This remote role is open to candidates in Washington or Oregon, with a Monday–Friday schedule and rotating weekend shifts. The posted pay targets $68,992 to $78,400 annually, with incentives available in addition to base pay.

Qualificações

• Proficient in credit scoring models and underwriting guidelines.
• Knowledge of credit union policies and procedures.
• Familiar with Fair Lending and regulatory standards.
• Ability to analyze loan documentation and make lending decisions.

Responsabilidades

• Analyze loan applications, credit reports, collateral, and financials to fund loans per policy.
• Approve/deny loan decisions within authority and communicate outcomes.
• Maintain relationships with dealer and merchant partners.
• Serve as a knowledge resource on loan products and processes.
• Keep up to date with lending criteria and regulatory changes.
• Perform other duties as assigned.

Conhecimentos

Credit scoring

Underwriting guidelines

Communication

Relationship building

Regulatory compliance

Decision making

Descrição da vaga

To maintain a strong connection with our members and local communities and better understand their unique needs , we are currently considering applications from candidates residing in Oregon and Washington for all open positions. We appreciate your understanding as we focus our hiring efforts in these specific regions. And, we encourage all qualified candidates from these states to apply, as we look forward to learning more about your unique skills and experience !

Purpose:

Completes the underwriting for a variety of consumer loan products, including auto, secured and unsecured lines of credit, and recreational collateral. Decisions loans within the underwriter’s own credit authority limits and in accordance with the established policies and procedures of the credit union. Actively works to mitigate risk by employing a thorough, logical, and intentional thought process in decision making. Promotes the use of credit union services and products by recommending strategies to obtain the best results based on each member’s individual needs.

Where and When You Will Work:

• Remote role open to candidates residing in Washington (WA) or Oregon (OR). ( Branches )
• Monday through Friday, and rotating Saturdays or Sundays, 9am to 6pm.

Pay Range:

The target annual pay range for this position is $68,992 to $78,400. The full annual pay range is $62,720.00 to $94080.00.

Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

Responsibilities:

• Analyzes loan applications, credit bureau reports, collateral evaluation, member account data, financial statements, tax returns, and other loan documentation to make, lending decisions on a variety of loan products in conformance with, fair lending, regulatory compliance, and established credit union policies and procedures.
• Reviews loans to ensure accuracy, Approves or denies loans based on risk factors within approved authority, reviewing underwriting decisions with the Loan Production Manager, Consumer Loan Underwriting Manager, or Underwriter Lead as appropriate. Communicates loan decisions (approve, counteroffer, or decline) to the appropriate lending channel.
• Fosters and maintains positive relationships with dealer and merchant partners through verbal and written communication.
• Serves as a resource on consumer loan products/services of the Credit Union; respond to internal and external loan related member questions and research.
• Keeps current with knowledge of lending product updates, criteria, guidelines, procedures, policies, and processes to make sound lending decisions.
• All other duties as assigned.

Previous Experience:

Minimum two (2) years of consumer lending processing and underwriting experience.

Knowledge, Skills, and Abilities:

• Proficient in credit scoring models and loan underwriting guidelines.
• Knowledge of credit union policies, procedures, processes, and Core Values.
• Deposit operations (BSA, Regs. CC, DD, E, D, and Q).
• Expertise in Fair Credit Reporting, Fair Lending and Debt Collection Practices, and compliance with federal, state, and local laws, statutes, regulations, and standards.
• Familiarity with Truth in Lending Regulations (Z, E, and B).
• Expertise in loan collateral types and their role in determining loan qualifications
• In-depth knowledge of loan services, features, and benefits offered by the credit union.
• Actively learn and apply new information for effective decision-making and problem-solving
• Seek opportunities to assist members, dealer partners, and co-workers.
• Establish and maintain strong relationships with all credit union staff.
• Establish and maintain strong relationships with dealer and merchant partners.
• Perform effectively in environments with frequent changes in work volume and competing demands.
• Research job-related functions, find solutions, and make sound decisions within the scope of responsibilities.
• Maintain a high standard of confidentiality and attention to detail.
• Perform duties independently or as part of a team, adapting to work volume and shifting priorities in a high-pressure environment.
• Provide excellent customer services in both written and oral communication.

Total Rewards:

This position is eligible for Full-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage. We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA). Employees also have access to Life and AD&D insurance. Employees are able to enroll in our 401k plan. Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis. Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time.

All benefits except 401k start the first of the month following date of hire. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

Peak Credit Union participates in E-Verify. We use E-Verify to confirm the identity and employment eligibility of all persons hired to work in the United States.

Peak Credit Union is an Affirmitive Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters If you'd like to view a copy of the company's affirmative action plan or policy statement, please email [e-mail].

Voluntary Self-Identification

As set forth in Peak Credit Union's Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.