Consumer Loan Underwriter at Blaze Credit Union

Saint Paul, Minnesota, United States -

Full Time

Start Date

Immediate

Expiry Date

06 Oct, 26

Salary

32.5

Posted On

08 Jul, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Consumer Loan Underwriting, Credit Analysis, Financial Status Analysis, Collateral Evaluation, Regulatory Compliance, Risk Management, Microsoft Office, Problem Solving, Analytical Skills, Written Communication, Verbal Communication, Cross Selling, Detail Oriented, Customer Service, Loan Documentation, Decision Making

Industry

Banking

Description

Description Role: Analyze consumer loan applications according to lending policy/procedures while ensuring loan quality, maximizing loan growth and minimizing consumer loan portfolio losses. Work Type: This is a full-time, on-site position based at our Administrative Office in St. Paul, MN. Following the training period, the regular schedule will be Tuesday through Saturday, 9:00 a.m. to 6:00 p.m. Major Duties and Responsibilities Review, analyze and render decisions focusing on consumer lending products including, but not limited to personal loans, automobile loans, recreational vehicle loans, and credit cards. Maintain credit standards, policies and procedures and manage exceptions within acceptable tolerance and communicate decisions to internal members. Make credit decisions in compliance with regulatory requirements. Review and analyze vehicle loan applications submitted by our indirect dealer partners. Analyzes applicants’ financial status; credit history and collateral evaluation; communicates with dealership and/or loan officer to resolve loan application questions. Refers loan applications exceeding established lending authority to appropriate management level. Properly evaluate and document exceptions to guidelines and/or policies. Provide support to team members; collaborate on loan applications and assist in making recommendations. Handles inbound calls and emails regarding loan applications. Evaluate applications for potential sales opportunities to cross sell, up sell and/or pre-approve additional products and services. Other Duties Comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control Exhibit Blaze’s Core Value’s: Better Lives, Thoughtfully Compassionate, Minnesota’s Best, and Give Back Regular and predictable attendance Perform other duties as assigned to support effective department operation. Requirements Experience/Education/Certifications/Licenses Minimum High School degree or equivalent. Minimum 2-3 years related or similar financial institution experience. Demonstrated Knowledge Strong verbal and written communication skills. Computer skills including Microsoft products. Excellent problem solving and analytical skills. Organized, detail oriented. Communication Skills Ability to proactively respond to members/employees to problem solve based on guidelines; written communications are based on templates but can be modified. Physical Requirements Ability to sit and stand; answer calls; operate computer; interact with internal employees and members on the phone; travel to designated offices; lift up to 20 lbs. Diversity creates a healthier atmosphere, and we encourage diverse applicant depth and breadth. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law. We are committed to providing salary ranges for all open positions. Please note that the specific compensation for this role will be determined based on your experience, qualifications, location, and internal equity considerations. The salary range for this position is: $28.56-$32.50/hour. This range reflects the base salary for this position. We have other benefits associated with this position which include: low-cost medical (as low as $20 a paycheck), dental insurance, vision insurance, quarterly bonuses, generous vacation and sick time hours, paid leave options, up to 6% 401k contribution, and tuition reimbursement.

Responsibilities

Analyze and render decisions on consumer loan applications, including personal, auto, and RV loans, while ensuring compliance with lending policies. Manage credit standards and collaborate with internal members and dealer partners to minimize portfolio losses.