Consumer Loan Underwriter

The posting, as Peak Credit Union wrote it

To maintain a strong connection with our members and local communities and better understand their unique needs , we are currently considering applications from candidates residing in Oregon and Washington for all open positions. We appreciate your understanding as we focus our hiring efforts in these specific regions. And, we encourage all qualified candidates from these states to apply, as we look forward to learning more about your unique skills and experience !

Purpose

Completes the underwriting for a variety of consumer loan products, including auto, secured and unsecured lines of credit, and recreational collateral. Decisions loans within the underwriter’s own credit authority limits and in accordance with the established policies and procedures of the credit union. Actively works to mitigate risk by employing a thorough, logical, and intentional thought process in decision making. Promotes the use of credit union services and products by recommending strategies to obtain the best results based on each member’s individual needs.

Where and When You Will Work

• Remote role open to candidates residing in Washington (WA) or Oregon (OR). ( Branches )
• Monday through Friday, and rotating Saturdays or Sundays, 9am to 6pm.

Pay Range

The target annual pay range for this position is $68,992 to $78,400. The full annual pay range is $62,720.00 to $94080.00.

Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

Responsibilities

• Analyzes loan applications, credit bureau reports, collateral evaluation, member account data, financial statements, tax returns, and other loan documentation to make, lending decisions on a variety of loan products in conformance with, fair lending, regulatory compliance, and established credit union policies and procedures.
• Reviews loans to ensure accuracy, Approves or denies loans based on risk factors within approved authority, reviewing underwriting decisions with the Loan Production Manager, Consumer Loan Underwriting Manager, or Underwriter Lead as appropriate. Communicates loan decisions (approve, counteroffer, or decline) to the appropriate lending channel.
• Fosters and maintains positive relationships with dealer and merchant partners through verbal and written communication.
• Serves as a resource on consumer loan products/services of the Credit Union; respond to internal and external loan related member questions and research.
• Keeps current with knowledge of lending product updates, criteria, guidelines, procedures, policies, and processes to make sound lending decisions.
• All other duties as assigned.

Previous Experience

Minimum two (2) years of consumer lending processing and und
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rotected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters If you’d like to view a copy of the company’s affirmative action plan or policy statement, please email Careers@peakcu.org.

If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail Careers@peakcu.org. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response.

Equal Opportunity Employer Veterans/Disabled

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When you apply to a job on this site, the personal data contained in your application will be collected by Peak Credit Union. Your personal data will be processed for the purposes of managing the Credit Union’s recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union’s privacy practices comply with all applicable state and federal laws.