CONSUMER UNDERWRITER/LOAN OFFICER

Ready to crunch numbers, analyze risk, and make dreams come true? Join our dynamic team as an Underwriter and become the financial superhero behind every approved loan! We are seeking an individual with prior underwriting experience who will dive deep into applications like a detective on a mission, use data, judgment, and some underwriting magic to make confident decisions, and partner with awesome loan consultants to create a streamlined loan experience.

Location: Operations Center, NE Albuquerque

Schedule of Work:

- Monday to Friday: 8:30 AM – 5:30 PM

- Saturday: 8:30 AM – 1:30 PM

Please keep in mind that this schedule is subject to change as needed.

BENEFITS:

• Medical, Dental & Vision Insurance

• Paid Short-Term Disability, Life Insurance and AD&D

• Paid Federally Recognized Holidays

• Vacation, Birthday, Floating Holiday & Sick Leave

• Tuition Reimbursement

• 401(k) with Employer Match

• Pension Plan

• Opportunities for advancement

OVERALL JOB PURPOSE

The Loan Officer will be responsible for interviewing, analyzing, underwriting and rendering decisions on loan applications using background information, applicant’s credit history and policy guidelines.

DUTIES AND RESPONSIBILITIES

The duties and responsibilities of this position include but are not limited to:

• Gathers background information on loan applicants through interviews and credit bureau reports

• Assists members with the loan application process to ensure completeness of information

• Verifies debt-to-income ratios and calculates the level of outstanding secured and unsecured debts

• Determines collateral needs, strength of collateral, and payment plan

• Verifies the accuracy of application information, loan amounts, and repayment terms, and ensures approved loan requests are originated

• Approves or denies consumer and real estate loan applications within credit union parameters and lending limits

• Explains reasons for denial and explores options for members when loans are denied

• Sells products and/or services to meet members’ needs and to achieve Credit Union goals and objectives

• Implements new loan products and system services in accordance with management direction

KNOWLEDGE, SKILLS, AND ABILITIES

• Requires excellent analytical skills where lending decisions are complex.

• Requires excellent interpersonal communication skills to relay positive or negative lending decisions to members.

• Solid understanding of National Credit Union Administration (NCUA) lending regulations and credit union lending policies and procedures.

• At ease selling Credit Union products and services.

• Productive degree of initiative to manage large volume of incoming loan applications.

• Flexible in judgement making.

• Excellent oral and written commu