Loan Officer/Underwriter II at Wheelhouse Credit Union

San Diego, California, United States -

Full Time

Start Date

Immediate

Expiry Date

18 Dec, 25

Salary

0.0

Posted On

19 Sep, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Decisions, Loan Applications, Credit Worthiness, Documentation, Income Verification, Credit Reports, Lending Regulations, Production Reports, Loan Requirements, Closing Loans, Communication, Problem Solving, Judgment, Discretion, Team Collaboration, Customer Service

Industry

Banking

Description

Description Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for members seeking a variety of loans. Responsible for reviewing loan applications, interviewing loan applicants and obtaining other documentation to determine credit worthiness of applicant and disposition of loan. Prepare appropriate documentation and related forms for submittal to the Lending Manager. Develop information and stipulations to process loan applications such as verification of income and credit reports. Employees assigned to this level will underwrite a variety of loans with considerable independence. Requirements Essential Duties and Responsibilities: Act as a resource for dealer and staff questions regarding the Credit Union’s loan programs. Within established guidelines and procedures, perform work requiring the use of judgment and discretion in making credit decisions for consumer (direct/indirect) and real estate loans. Review all applications to insure completeness and accuracy of information. Inform branch personnel, members and/or dealers of loan requirements and matters affecting the granting of loans. Set stipulations for loan applications accordingly to achieve sound lending decision. Inform management of the progress and performance of dealer partners. Prepare monthly production reports and provide information to manager. Provide recommendations, written or verbal, to the Lending Manager and/or the Credit Manager with regards to credit applications outside individual underwriting authority. Assist branch personnel in facilitating the closing and disbursement of loans insuring that guidelines and stipulations are met. Remain current on lending regulations and guidelines. Complete reports as requested by management. Maintain effective working relationship with staff. Register with the Nationwide Mortgage Licensing System and Registry (NMLS). Will be required to undergo a background check. Registration with the NMLS to be maintained on an annual basis. All other duties assigned.

Responsibilities

The Loan Officer/Underwriter II is responsible for making credit decisions for various loans, reviewing applications, and preparing documentation for submission. They will also act as a resource for dealer and staff questions regarding loan programs and ensure compliance with lending guidelines.