Consumer Loan Underwriter / Buyer at Premier America Credit Union

Los Angeles, California, United States -

Full Time

Start Date

Immediate

Expiry Date

10 Aug, 26

Salary

37.0

Posted On

12 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Consumer Loan Underwriting, Credit Analysis, Customer Service, Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Time Management, Oral Communication, Written Communication, Spanish Bilingual, Process Improvement, Relationship Management

Industry

Banking

Description

Description Overview: We are seeking a dynamic Consumer Loan Underwriter / Buyer, who is experienced in handling underwriting processes for all consumer loan products. The right candidate will have a sense of urgency, the ability to improve operational efficiency through thoughtful process improvement, and a strong commitment to delivering best in class service. About You: · Customer Service: You are a resource in identifying and resolving member servicing issues while enhancing member experience by providing distinctive quality service. · Teamwork: You have been recognized for your excellent interpersonal skills and your ability to effectively communicate, build rapport and relate to others. · Communication: Your effective communication style will be used to transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors. What You Will Do: The core responsibility is the effective and efficient underwriting of all consumer loans received through various channels. Must assist in updating loan training material, ensuring adequate loan resources are readily available to branch staff relating to loan products. Expected to continuously seek out new business relationships with dealer principles and decision makers, while establishing and maintaining the same relationships with our members, branch and telephone service center Team Members. Assist in maintaining workflow processes, address inquiries received through various channels and cross-sell loan products and services. Perform required credit analysis on all consumer loans that are submitted for review. Make credit decisions within established lending authority, while making recommendations for higher level approvals, and notify appropriate parties of the decision. Respond to all inquiries and messages within a 24-hour timeframe. Ensure functions are efficiently, effectively, and accurately performed in accordance with established loan policies, standards, guidelines, and security procedures. Expected to meet a 90% concurrence ratio on a sample of loan decisions. Ensure delinquency ratio on individual loan portfolio is less than 2% and charge-off ratio is less than 1.25%. Support Team Members and dealer partners with loan product questions. Expected to visit local and priority dealers on a regular schedule to provide materials and training assistance for new or existing CUDL dealership contacts. Will establish and maintain effective and professional business relations with internal and external stakeholders. Responsible for analyzing and preparing data to measure and report performance. Requirements What We Are Looking For: Skills: Word, Excel, Microsoft office High school education or equivalent Three to five years of progressive experience in consumer loan underwriting or related experience Understanding of related legal and regulatory requirements Strong organizational and time management skills Ability to prioritize effectively, working in a fast-paced environment Strong oral and written communication skills Bi-Lingual (Spanish speaking) preferred PC skills, including Microsoft Office Suite – Word, Excel, PowerPoint Equal Opportunity Employer – Veterans / Disabled Drug-free Workplace Premier America Credit Union will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the Los Angeles Fair Chance Initiative for Hiring (Ban the Box) Ordinance. Pay Grade Info: The base pay range for this position is: $30-$37 / per hour. Perks Important to You: Our Team Members enjoy the following rewards and benefits: · Competitive pay · Subsidized health care including medical, dental and vision · FSA and HSA · Company-Paid Life and A&D insurance · Discounts on loans (must be a member) · Paid Vacation, Holiday, and Sick time · 401k Retirement Saving Plan with a 6% safe harbor employer match · Educational Assistance Program and more!

Responsibilities

Responsible for the efficient underwriting of consumer loans and performing detailed credit analysis to make lending decisions. The role involves maintaining relationships with dealer partners and ensuring loan portfolios meet specific delinquency and charge-off targets.