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Regular or Temporary:

Regular

Language Fluency:  English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Review and evaluate Truist applications with loan amounts requested up to $75,000 to determine if the borrower meets established loan eligibility guidelines. Must be able to underwrite all loan purposes and be able to switch quickly between the qualifications of the application versus the need for the purpose. This position is a senior underwriter on the team. The role provides support, consultation, and credit decisions for both clients and the Consumer Bank’s lending staff.

ESSENTIAL DUTIES AND RESPONSIBILITIES 
Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time.   

1.   Must be able to analyze information received from the loan application, income sources, and credit reporting agency to assess the applicant’s character, capacity, and credit history to judgmentally determine the applicant’s ability to repay the loan. 
2.    Provide assistance and direction to Consumer lenders regarding lending policies, procedures, processes, loan structure and pricing.    
3.    Identifies and escalates document manipulation concerns and fraud risk concerns.   
4.    Must have a basic understanding of fraud mitigation procedures to prevent approving a fraudulent loan application. 
5.    Must be able to analyze loan applications and make decisions within target response service levels and meeting Truist credit and operational risk tolerances. 
6.    Make outgoing calls and receive incoming calls to the Underwriter phone lines.  
7.    Document and explain justification for all credit exceptions granted. 
8.    Must adhere to KPI standards for Underwriters at this level. 
9.    Meet/exceed monthly performance requirements as evidenced by Ongoing and QC Reviews.

10.  Provide mentoring and assistance to less seasoned underwriters.

 
QUALIFICATIONS 
Required Qualifications: 
The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

1.    Bachelor’s Degree in a business or related field, or equivalent education and related training. Three years of consumer underwriting experience. 
2.    Proven mastery of the Unsecured & Personal Lending Underwriter I job responsibilities or equivalent Underwriting experience 
3.    Ability to work in a fast-paced, multitasking, and team-oriented environment.
4.    Strong verbal and written communication skills.
5.    Ability to focus on tasks at hand, interpret information logically to solve problems, and answer questions via phone and email appropriately. 
6.    Ability to provide clients and teammates with excellent service. 

7.   Strong knowledge of income verification via paystubs, tax return analysis, etc. 

Preferred Qualifications: 
1.    Call Center Experience 
2.    Customer Service Experience 
3.    Underwriting or Loan Processing Experience 

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental d