Consumer Loan Underwriter I or II (DOE) at Rogue Credit Union

Medford, Oregon, United States -

Full Time

Start Date

Immediate

Expiry Date

02 Jun, 26

Salary

33.87

Posted On

04 Mar, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Underwriting, Credit Analysis, Loan Decision Making, Policy Compliance, Member Service, Coaching, Training, Problem Solving, Communication, Judgment, Decision Making, Writing, Organization, Keyboarding, Tax Analysis

Industry

Financial Services

Description

Department: Consumer Lending Department Reports To: Consumer Loan Center Manager Classification: Non-Exempt About Rogue Credit Union: Rogue Credit Union is a member-owned, not-for-profit financial cooperative headquartered in the Rogue Valley located in beautiful southern Oregon. Providing services to our members in select Oregon and Idaho counties. We strive to make an impact in the communities we serve by living, giving, and supporting local. Our mission is to provide exceptional member experiences that build mutually beneficial relationships to create the most loyal members in the nation. Here at Rogue, we believe in having a culture of happy team members who feel supported, have the chance to grow their careers, and LOVE where they work! Role: Underwrites direct, indirect and third-party consumer loans for Rogue Credit Union under general supervision and in conformance with established policies and procedures. Works with front line staff, dealer partners and vendors to deliver solutions that are member focused. Additionally, a Consumer Loan Underwriter I will perform a variety of duties and tasks related to underwriting. Essential Functions & Responsibilities: 45% Underwrite direct, indirect and third-party loan requests within established credit guidelines and authority. Notifies branch staff, dealer partner and vendor personnel of loan decisions in a timely manner, clearly defining acceptable terms and conditions. Provide adequate explanations on loan decision rationale, while evaluating potential solutions and cross-sell opportunities. Evaluating each application for creditworthiness of the applicants, and the collateral being offered and other factors to decide a loan utilizing with sensible underwriting principles. 20% Deliver member focused solutions while providing unsurpassed friendly, helpful, and enthusiastic services to branches/departments, dealer partners and vendors. Work to provide assistance on the member's journey to financial well-being by focusing on member focused solutions. 15% Provide coaching and training to front line staff, while maintaining a friendly, helpful, and enthusiastic demeanor. 10% Takes a lead role in troubleshooting problems and handling delicate situations with loan applicants and vendors. Answers dealer and staff questions and responds to phone calls. 5% Stays current on applicable regulations, credit union policies, operational controls, safety measures, service, and security procedures to ensure compliance throughout assigned areas of the credit union. Remains alert to trends or conditions in areas that affect lending. Communicates frequently with Consumer Lending Center Manager, Member Solutions Department, Lending Services Department and the Indirect Lending Department for trends in the loan portfolio. 5% Proactively performs other duties as needed or assigned. Knowledge & Skills: Experience: Three years to five years of similar or related experience. Education: A high school education or GED. Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other Skills: Computer and keyboarding skills; loan application and tax analysis skills; good judgment/ decision making skills; good writing skills to include documentation. Highly organized and productive. Strong communication skills. Physical Requirements: Some lifting required (up to 30 pounds), continuous sitting, occasional standing and occasional walking. Finger dexterity while using computer. Occasional talking and hearing in person and on the telephone. Continuous clarity of vision at 20 inches or less and continuous clarity of vision at 20 feet or more. Work Environment: Normal workday with occasional overtime. Exposed to potentially hazardous conditions, i.e., robbery. This job may require working Saturdays and Sundays. Disclaimer: Rogue Credit Union is a drug free workplace and requires a drug screening test within 48 hours of employment offer. Rogue Credit Union is an Equal Opportunity Employer and makes employment decisions without regard to race, color, national origin, religion, sex, age, disability, veteran status, or any other protected class. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method, please call (541) 622-7295. This Job Description is not a complete statement of all duties and responsibilities comprising the position. This position requires working Saturday and Sunday

Responsibilities

The underwriter reviews and approves direct, indirect, and third-party consumer loan requests based on established credit guidelines and authority, communicating decisions and rationale clearly to staff and partners. This role also involves delivering member-focused solutions, providing coaching to front-line staff, and handling complex situations.