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Consumer Loan Underwriter

Company: Kirtland Federal Credit Union
Location: Albuquerque
Posted on: May 16, 2022

Job Description:

Working at Kirtland FCU is more than a job-it's a career! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a competitive salary, great benefits package and an energetic, vibrant work environment. Visit our careers page on our website to view our exciting opportunities and our fantastic benefits.

We are currently seeking a Consumer Loan Underwriter to join Kirtland Federal Credit Union.

Primary Job Duties:

  • Responsible for reviewing and underwriting all consumer loans generated through both the direct, remote, and indirect consumer loan underwriting channels.
  • Responsible for following established procedures, policies and guidelines for underwriting, verifying, and quality control.
  • Works closely with loan origination staff, members, and dealerships when required.
  • Ensures that such lending operations are in accordance with established policies, procedures, and legal requirements resulting in appropriate profit, and minimum delinquency ratios.
  • Ensures that areas of responsibility support Credit Union Mission, Vision, Strategic Objectives and Services Standards.
  • Ensures that services are delivered professionally and efficiently.
  • Supports and provide exceptional internal and external member service.
    Preferred or required qualifications:
    • Bachelor's degree in business or related field preferred.
    • Minimum 3-5 years previous lending/underwriting experience within a financial institution or related field preferred.
    • Demonstrated knowledge of consumer lending policies, procedures, laws and regulations.
    • Familiarity with retail installment contracts.
    • Understanding of government regulations and legal requirements involving consumer lending and related functions preferred.
    • Strong analytical skills with the ability to calculate lending rations, conduct loan risk analysis and properly identify credit issues, fraud and/or other associated lending risks.
    • Strong analytical skills with the ability to offer viable and creative loan alternatives while staying within credit union risk tolerance.
    • Experience with finance computations, lending calculators and general consumer loan applications.
    • Comprehensive understanding of loan contracts including APR, amortization schedules, and simple interest calculations.
    • Knowledgeable in credit union lending policies and lending regulations including Reg B, Reg Z, Fair Lending, and Equal Credit Opportunity Act (ECOA), etc. preferred.
    • Ability to balance productivity and speed to meet service levels with quality underwriting to protect the credit union from undue risk.
    • Strong interpersonal skills (oral and written communications, active listening, positive attitude).
    • Ability to function in a team environment as a proven team player.
    • Strong in PC proficiency including Word, Excel, Outlook, with the ability to learn new software programs as required.
      Kirtland Federal Credit Union offers a comprehensive, generous benefits package:
      • Medical, Dental and Vision Insurance
      • 401(k) Retirement savings program that includes employer match
      • Generous Paid Time Off (PTO) Program
      • Tuition Reimbursement
      • Fitness Reimbursement
      • Employee Clothing Loan
      • And much more! To apply for this exciting opportunity visit our careers page at EOE Kirtland Federal Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Keywords: Kirtland Federal Credit Union, Albuquerque , Consumer Loan Underwriter, Other , Albuquerque, New Mexico

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