Consumer & Business Loan Underwriter

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Are you looking for a fulfilling career with an employer who cares? Are you passionate about helping individuals achieve financial success? Join Sharonview, voted a Top Workplace by our employees, and be a part of a team that puts members at the heart of everything we do! With opportunities for growth, competitive benefits, and a chance to make a real impact, this may be the career move you’ve been waiting for!

Sharonview is looking for an experienced, people-focused and detailed oriented Consumer & Business Loan Underwriter to review consumer, HELOC and small business loan application submissions by credit union members and effectively assess an applicant’s credit worthiness in relation to the credit union’s risk tolerance.

**Hybrid 

Hourly Range: $32.53 - $35.21

Essential Responsibilities:

• Assess applicants' credit history, cash flow, capacity, capital, collateral and conditions to make a sound, consistent and logical decision on the requested loan within established department service level agreements.

• Analyze copies of loan documentation, personal and complex business financial statements, and any other financial information as needed to support loan decision.

• Apply consistent decisions across all products, all channels, and without bias or discrimination.  Make decisions consistent with credit union policies and procedures and overall risk profile.

• Sufficiently document files/systems so members and staff fully understand the reasons for an approval, denial or counteroffer.

• Maintain in-depth knowledge of loan origination systems and scoring models.

 Education & Experience

• Minimum bachelor’s degree (BA or BS) 

• Three or more years of related experience

• Prior Underwriting Experience is required

 Knowledge, Skills & Abilities

• Superior written and verbal communication skills with an outgoing, friendly personality. 

• Proficiency with a variety of computer software applications, including MS Word, MS Excel, and MS Outlook and the ability to quickly adapt or learn new systems and technology.

• Ability to work well with people and to create a self-motivating work environment. 

• Strong organization skills and the ability to multi-task in a fast-paced environment.

• Knowledge of economic and accounting principles and practices, the financial markets – especially the secondary mortgage market, banking and the analysis and reporting of financial data

Physical Demands

• Sedentary work that primarily involves sitting/standing and use of computer for prolonged periods.

• Work requires the ability to speak and hear on a consistent basis.

• Communicating with others to exchange information via voice, email, Microsoft teams etc.

The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of the position.  All employees may have other duties assigned at any time.

Sharonview complies with federal and state disability laws and makes reasonable accommodations for applicants and employees with disabilities. If reasonable accommodation is needed to participate in the job application or interview process, please contact Human Resources: Humanresources@sharonview.org