Underwriter I

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. Full Time Support Services New Hartford, NY, US 2 days ago Requisition ID: 1145 Salary Range: $19.23 To $28.85 Hourly Position Summary This position is responsible for underwriting consumer and home equity loans within designated lending authority and in accordance with credit union policies and procedures. Essential Job Functions Underwrite consumer loan applications to include but not limited to secured loans, unsecured loans, credit cards, and home equity loans. Ensure each loan request is thoroughly analyzed to determine creditworthiness of the potential borrower and assess overall risk to the Credit Union. Ensure that all loan requests comply with Credit Union lending standards, guidelines, and applicable federal and state rules and regulations. Make underwriting decisions within stipulated time frame and individual lending authority. Clearlycommunicate lending decisions totheappropriate parties and, when a loan request cannot be approved,provide alternativeoptionsandguidance to helpmembersimprovecreditworthiness. Maintain individual lending authority level 6 or higher. For loans exceeding individual lending authority, make recommendations to Underwriting Manager, or any employee with the appropriate individual underwriting authority. Effectively communicate decisions to appropriate parties both verbally and through the loan origination platform. Actively contribute to and support Underwriting and the Credit Union achieve goals. Provide support to the other areas of the credit union. Required to participate in First Source Federal Credit Union events as well as designated Community events. Required to attend or participate in necessary compliance training, including but not limited to Bank Secrecy, OFAC, and Privacy. Required to attend training sessions as appropriate. Required to travel as needed. Performs other duties as assigned. Qualifications, Skills, and Experience High School plus 3-5 years related experience OR related business degree Strong communication and analytical skills with a refined attention to detail Ability to perform well and keep up responsibilities in a high volume, fast paced working environment Must have the ability to multitask while staying organized Must have strong verbal and written communication skills to deliver strongly supported decisions Proficient computer skills with a high level of computer literacy for various core operating systems Must present a professional appearance Ability to work flexible hours as needed Universal Behaviors Knowledgeable and Experienced I promise to take personal ownership for learning and using that knowledge to provide value to those that I serve by: Looking for answers until I find them. Seeking opportunities to learn from others. Appreciating and respecting others’ views. Acknowledging mistakes and learning from them. Going out of my way to share my knowledge and experience. Striving for Operational Consistencies I promise to make it easy for you through consistency, efficiency, and accuracy by: Doing it right the first time, being thorough and accurate. Taking pride and ownership in my work Making and keeping commitments. Continuing to look for better ways to do things and challenging the status quo. I promise to show care, compassion, and respect toward everyone I interact with by: Being approachable and accessible to others. Creating a pleasant work environment for each other. Always asking what more I can do. Recognizing the contributions of others. Embracing diversity in the workplace. Committed to Member Service Interacting with a natural and genuine friendliness. Being courteous and respectful. Creating a welcoming environment. Sharing the moment and finding common ground. #J-18808-Ljbffr First Source Fcu