Underwriter I

Ancorum Credit Union; Bath (ME); On-site; USD 35,000 - 54,000; Full time

Job summary

Ancorum Credit Union in Bath, ME is seeking a Full-Time Non-Exempt Loan Operations Assistant to handle denial and cancellation packets, archive loan documents, and maintain tracking sheets. You will support underwriters, enter approvals, and retrieve loan files, while ensuring accuracy and adherence to policies.

Proficiency with MS Office and strong data-entry skills are essential, along with excellent member service.

Qualifications

• Reliability attendance during scheduled hours.
• Proficiency with Microsoft Office Suite; Excel and Outlook.
• Accurate data input and archiving documentation.
• Strong written and oral communication, organizational skills, and attention to detail.
• Excellent interpersonal and member service abilities.

Responsibilities

• Complete denial packets within compliance time frames.
• Complete cancellation packets promptly.
• Scan loan documentation from closings to archives (Synergy & DocuSign).
• Update the loan cancellation sheet daily with reports and reasons for tracking.
• Assist with loan closings by ensuring information is complete and packets are properly assembled.
• Assist Underwriters with approvals, review, and document notes.
• Retrieving loan documents for staff when requested.
• Complete Real Estate Discharges and maintain related records.
• Keep Totaled Vehicles tracking sheet up to date and follow up as needed.
• Back up title processing as needed.
• Verify information in Epysis via daily reports.
• Actively promote the Credit Union and cross-sell products and services.
• Ensure compliance with applicable policies and regulations.
• Perform other duties as assigned.

Skills

Excel

Outlook

Data entry

Attention to detail

Member service

Tools

Synergy

DocuSign

Job description

• Location 765 Washington St.,Bath, ME, 04530,United States
• Base Pay $25.75 - $39.38 / Hour
• Employee Type Full Time Non-Exempt

Description

ESSENTIAL FUNCTIONS:

1. Complete denial packets within the time frame required by compliance.
2. Complete cancellation packets in a timely manner.
3. Scan loan documentation from loan closings to the archives (Synergy & DocuSign)
4. Updating the loan cancellation sheet daily with the In-Progress loans report or requests from processors. This includes listing the reason why the application is being cancelled (if stated) for tracking purposes.
5. Assist with loan closings by ensuring information is complete, file maintenance has been completed, and packets have been put together correctly.
6. Assist Underwriters with entering in approvals, reviewing, and noting documents.
7. Low level approval authority. Outline of what qualifications will be provided by the Underwriting Manager once authority has been granted.
8. Retrieving loan documents for staff when requested.
9. Completing Real Estate Discharges
10. Keep Totaled Vehicles tracking sheet up to date, follow up with members and staff as needed and file GAP claims.
11. Back up titles as needed.
12. Verify information is correct in Epysis via daily reports.
13. Actively promote the Credit Union and cross-sell its products and services.
14. Ensure that efforts conform to applicable policies and regulations.
15. Perform other duties and functions as assigned

Requirements

PERFORMANCE EXPECTATIONS:

1. Maintain a reliable attendance record during scheduled hours.
2. Be proficient with Microsoft Office Suite; especially Excel and Outlook.
3. Able to input data consistently and correctly regarding archiving documentation.
4. Possess excellent oral, writing, organizational skills, and attention to detail.
5. Excellent interpersonal and member service skills.
6. Adhere to departmental and credit union policies and procedures.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand for extended periods; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee must be able to speak and hear distinctly. Specific vision abilities required by this job included close vision, color vision, and ability to adjust focus. The employee is required to stand, sit, and walk; sometimes to climb or balance; stoop, kneel, crouch, or crawl. The employee must occasionally life and/or move up to 30 seconds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. All essential functions are performed in an office setting. Temperatures in the climate-controlled office may fluctuate. Work area is sometimes noisy due to multiple member transactions. The noise level in the work environment is usually moderate. Employee may not be able to easily leave work area unless for a scheduled break.

MENTAL DEMANDS

The mental demands for this position include: the need to be alert to member needs, to be resourceful in solving member and loan processors problems, and to be precise when updating member accounts. The employee must be able to deal with people effectively under adverse and/or stressful conditions, occasionally be persuasive, use judgment, and exhibit patience. NOTE: Job descriptions are not intended and should not be construed to be exhaustive lists of responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job elements essential for making fair pay decisions about jobs.

About this Job Description

The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of responsibilities, skills, efforts, or working conditions associated with a job. Job descriptions are not intended, nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at-will employer where applicable. In support of Ancorum CU’s goals employees may perform other duties as assigned and all employees are expected to:

• Exemplify our CORE values
• Promote teamwork and collaboration
• Provide our members with the highest quality service

Summary

This position is responsible for the daily tasks of completing denials, cancellations, archiving packets and updating tracking sheets. They will assist the Underwriters with sending DocuSign packets, entering in approvals, and reviewing loan requests with low level authority.