Underwriter I

Take a leap and join our team!Please note that this position requires working rotating weekends (Saturdays and Sundays) as well as holidays.At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.Get to know us: About - Gesa Credit UnionRole Summary:Under the general supervision of the Underwriting Assistant Manager/Team Leader or Consumer Underwriting Manager/Team Leader, the Underwriter I is responsible for evaluating and making quality decisions on consumer loan applications (both direct and indirect). This role ensures adherence to Gesa Credit Union's established underwriting standards while identifying and proposing alternative financial solutions tailored to applicants' needs. Possessing intermediate knowledge in consumer lending, the Underwriter I also contribute to dealership outreach and the development of dealership portfolios and is responsible for cultivating and maintaining strong relationships with branch partners. This position requires demonstrated capability in managing moderate responsibilities beyond core underwriting duties.What You Will Be Doing:Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy under general guidance of a Sr. Underwriter or ManagerEvaluate and mitigate risk while maintaining profitability associated with extending credit requests.Apply underwriting guidelines in making and defending loan decisions under moderate guidance of an immediate supervisorIdentify and recommend additional lending opportunities to increase relationships with membersProvide accurate pricing and terms to dealerships in a courteous/professional mannerEnsure compliance with legal requirements, lending regulations and internal policies and proceduresMaintain positive relationships with colleagues and business partnersMaintain the highest level of confidentiality relative to information received directly or indirectlyAdhere to all local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy ActAbility to analyze, research and resolve medium complexity problems under moderate guidance of an immediate supervisorDevelop knowledge and skills through formal training classes or on-the-job experienceServe as resource or Subject Matter Expert for teamDisplay mutual respect, trust, and dignity, acting in the best interest of the credit union. Lead by example by always displaying solid ethics and integrity. at all timesEnsure that all issues are handled in a fair, legal, and consistent mannerAbout You:Maintain up-to-date and comprehensive knowledge of all laws, credit union products, services, policies and procedures regarding areas of responsibility, and to remain highly tuned to the marketplace, member needs and patterns of external market changesParticipate in and support a team environmentExcellent interpersonal skills and ability to build and maintain positive working relationships with co-workers and business partnersDemonstrate ability to make decisions in a timely manner and articulate the reasoning for decisionsDemonstrate ability to prioritize and manage multiple demands effectivelyDemonstrate ability to work effectively both collaboratively and independently, with moderate supervisionAbility to effectively communicate and receive ideas and information, both orally and in writing.To effectively operate standard office equipment, computer and lending programs and programs related to areas of responsibilityTo possess and display excellent customer service attributesAbility to work outside of business hours, including weekends (Sundays included) and holidaysTo demonstrate flexibility and openness; to willingly change priorities, accept and act on input from supervisor, and to meet changing demandsTo develop and/or improve processes, implement, and administer policies and procedures, and organize and present informationTo maintain a positive and professional image through effective verbal and written communicationTo make quality judgments and decisions in a timely manner with extreme attention to detailWhat You Will Need:High School degree, GED, or equivalent experience requiredA minimum of one (1) year in managing client relationships or handling document processing requiredOne (1) to two (2) years of similar or related exposure to indirect lending/financial services preferredAdvanced knowledge of FICO preferredAdvanced knowledge of CUDL, Dealer Track and Route One programs preferredA valid Driver’s License is requiredOur Team Member Value Proposition:In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:Competitive PayMedical, Dental, Vision, and Life Insurance20 days/year of Paid Time Off – Plus 10 Paid Holidays!401(k) MatchIncentive ProgramTuition Assistance and Student Loan RepaymentCommuter BenefitsPaid Time Off to Volunteer in the CommunityProduct discountsEngaging Work EnvironmentRewards and Recognition ProgramsFull Salary Range:$22.92-$38.19While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!"Get wise to what’s possible with a career at Gesa. Join us!We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at View phone number on click.appcast.io or View email address on click.appcast.io to request an accommodation.Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.Selected candidate(s) must be able to pass a pre-employment credit/background check.Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.Equal Employment Opportunity (gesa.com) #J-18808-Ljbffr