loan underwriter

SB Financial Group

<div><div><div><div><h1 class="jobSectionHeader"><b>About Us</b></h1><p>
Join a high‑performing, expanding $1.5B community bank with $3.2B in total assets under our care, where people, purpose, and opportunity come together to drive meaningful impact. At State Bank, we are building a culture grounded in collaboration, innovation, and integrity, while continuing to invest in our people and the communities we serve. We value individuals who take initiative, think strategically, and are committed to both personal and organizational growth. Our approach recognizes contributions and effort, supports professional development, and provides meaningful financial rewards, including the opportunity to earn up to 30% of your annual wage in quarterly incentives. In addition, we offer opportunities to grow your career within a strong, stable, and expanding organization. If you feel you have what it takes to become part of a high‑performing team of professionals and deliver regional growth goals in a competitive landscape and enjoy strong financial recognition for your leadership and work this opportunity just might be for you.</p><h1 class="jobSectionHeader"><b>
Education</b></h1><p>
A high school diploma or equivalent required; a B.A. degree in related field of study preferred; specialized bank consumer lending education/training preferred.</p><h1 class="jobSectionHeader"><b>
Experience</b></h1><p>
A minimum of three (3) years of experience in accounting, lending, or related positions. Formal credit training program or certification preferred.</p><h1 class="jobSectionHeader"><b>
Preferred Skills</b></h1><div><ul><li>
Knowledge and experience working with a Retail Loan Origination System (LOS).</li><li>
Proficient reading, writing, grammar, and mathematics skills.</li><li>
Proficient interpersonal relations and communicative skills.</li><li>
Knowledge of current loan servicing procedures, lending laws, and regulations.</li><li>
Sound judgment and risk assessment.</li><li>
Moderate computer skills.</li></ul></div><h1 class="jobSectionHeader"><b>
Role and Responsibilities</b></h1><p>
Responsible for performing administrative and underwriting duties to support the consumer lending function; achieving goals as established in the bank&rsquo;s business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the consumer loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.</p><p><b>
Essential Duties</b></p><p>
Performs administrative and underwriting duties to support the consumer lending function of which the following are illustrative:</p><div><ul><li>
Evaluates consumer loan requests<ul><li>
Auto Loans, Credit Cards, Home Equity, Personal Loans, and Recreational Vehicles</li><li>
Check for completeness and accuracy</li><li>
Verify personal, employment, and financial information with confirmation through use of pay stubs, tax returns, or bank statements and compare income against loan requirements and internal guidelines</li><li>
Ensure required documentation has been provided</li></ul></li><li>
Completes credit risk assessment<ul><li>
Evaluate credit reports and identify any risk indicators</li><li>
Assess debt-to-income (DTI) ratios and repayment capacity</li><li>
Review collateral valuations and general loan quality.</li></ul></li><li>
Apply lending policies and guidelines<ul><li>
Ensure loan decisions align with risk tolerance thresholds, product guidelines, and follow regulatory compliance</li></ul></li><li>
Approves or denies consumer loans based on consumer loan standards.</li><li>
Use automated underwriting systems<ul><li>
Work within LOS to review system-generated offers and override if needed.</li><li>
Input data and ensure accuracy for automated models</li><li>
Recommend process improvements, system enhancements, automation, and workflow changes to increase efficiency and accuracy.</li><li>
Participates in testing and validation of system upgrades or new features</li></ul></li></ul></div><div><ul><li>
Communicate with stakeholders<ul><li>
Collaborate with loan officers, processors, and customer service to provide guidance, resolve issues, and support positive client experiences.</li><li>
Provide exceptional customer service and support cross-functional projects as needed.</li><li>
Suggest strategic and innovative strategies to achieve goals from the annual operating plan.</li></ul></li><li>
Fraud detection and due diligence<ul><li>
Identify inconsistencies or suspicious activity</li><li>
Flag potential fraud cases (fake income, identity issues)</li><li>
Escalate high-risk applications</li></ul></li><li>
Portfolio and performance monitoring<ul><li>
Prepares and analyzes reports on portfolio performance, delinquency trends, and loan quality to identify areas of improvement.</li><li>
Provides input on credit policy development and training initiatives to ensure consistent application of standards across consumer lending.</li></ul></li><li>
Documentation and audit readiness<ul><li>
Maintain clear, compliant records of decisions</li><li>
Ensure files meet audit and regulatory standards</li><li>
Document rationale for approval/denial decisions</li></ul></li><li>
Performs additional duties and responsibilities as directed by the Director of Consumer Lending</li><li>
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.</li><li>
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.; ensures that the department and all personnel adhere to the same.</li><li>
Responds to inquiries relating to his/her particular area, or to requests from customers, other personnel, etc., within give time frames and within established policy.</li></ul></div><h1 class="jobSectionHeader"><b>
Ancillary Duties</b></h1><div><ul><li>
Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.</li><li>
Serve as backup to the Credit Department for tasks such as credit file maintenance, loan reviews, small business underwriting, risk rating updates, monitoring/tracking, and preparation of management reports.</li></ul></div><h1 class="jobSectionHeader"><b>
Physical Requirements</b></h1><div><ul><li>
Must be able to remain in a stationary position more than two-thirds of the time.</li><li>
The person in this position needs to occasionally move about inside the office to accomplish tasks.</li><li>
Frequently communicates with others to exchange information.</li><li>
Constantly moves wrists, hands, and/or fingers.</li><li>
Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.</li><li>
Sedentary work that primarily involves sitting/standing.</li></ul></div></div></div></div></div><p></p>

Consumer Loan Underwriter

Paramount Residential Mortgage Group Inc. (PRMG Inc.)

<div>
 <strong>
  Overview
  <br/>
  <br/>
 </strong>
 We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation. We are proud to say PRMG offers industry leading stability and security. Over 25% of our total operational staff at PRMG has been with our company for over 10 years of more! Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth.
 <br/>
 <br/>
 PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG&rsquo;s Internal and External Job Portal to request a transfer to a different department or position.
 <br/>
 <br/>
 <strong>
  Responsibilities
  <br/>
  <br/>
 </strong>
 Mortgage Underwriter Responsiblities
 <br/>
 <br/>
 <ul>
  <li>
   Underwriter completes a thorough analysis of loan files to determine compliance with company and investor guidelines.
  </li>
  <li>
   Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an &ldquo;investment&rdquo; quality loan product.
  </li>
  <li>
   Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center.
  </li>
  <li>
   Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation.
  </li>
  <li>
   Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions.
  </li>
  <li>
   Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing.
  </li>
  <li>
   Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager.
  </li>
  <li>
   Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files.
  </li>
  <li>
   Responds to post closing reviews and audits in a timely fashion.
  </li>
  <li>
   Performs related duties, as directed by Underwriter or Operations Manager.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Qualifications
  <br/>
  <br/>
 </strong>
 Mortgage Underwriter Qualifications
 <br/>
 <br/>
 <ul>
  <li>
   Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines.
  </li>
  <li>
   Experience Underwriting private investor and private mortgage insurance guidelines.
  </li>
  <li>
   Strong interpersonal-communication and business-relationship skills.
  </li>
  <li>
   Detail oriented with strong organizational and follow-through skills.
  </li>
  <li>
   Excellent analytical, written communication and verbal communication skills.
  </li>
  <li>
   Technologically proficient.
  </li>
  <li>
   Bachelor&rsquo;s degree in related field or equivalent professional experience.
   <br/>
   <br/>
  </li>
 </ul>
 At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
 <br/>
 <br/>
 <strong>
  Min
  <br/>
  <br/>
 </strong>
 USD $75,000.00/Yr.
 <br/>
 <br/>
 <strong>
  Max
  <br/>
  <br/>
 </strong>
 USD $85,000.00/Yr.
</div>


Conventional Underwriter I

Carrington Mortgage Services, LLC

<div><p><b>Come join our amazing team and work remote from home!
</b></p><p>The Loss Mitigation Underwriter l will be responsible for underwriting Loan Modifications applications in accordance with Treasury, Company and Investor guidelines while following company&rsquo;s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company&rsquo;s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The Loss Mitigation Underwriter I level is the entry level role in the job family and generally handles the least complex underwriting files while gaining additional knowledge and experience on the more complex files. The target pay range for this position is $23.00 - $26.00 per hour.
</p><p><b>What you&rsquo;ll do:
</b></p><ul><li>Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines.
</li><li>Conduct Verification of Income (VOI).
</li><li>Calculate customer&rsquo;s front and back-end debt to income ratio.
</li><li>Verify occupancy, hardship and income.
</li><li>Apply payment waterfall to determine workout eligibility (repayment plan, forbearance, modification or liquidation options).
</li><li>If applicable, identify the type(s) and amounts of liquid assets the borrower holds.
</li><li>Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.).
</li><li>Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines.
</li><li>Document final decision and update system of record.
</li></ul><p><b>What you&rsquo;ll need:
</b></p><ul><li>High school diploma or equivalent required.
</li><li><b>1 to 2 years of underwriting loss mitigation experience required
</b></li></ul><p><b>Our Company:
</b></p><p>Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you&rsquo;ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com .
</p><p><b>What We Offer:
</b></p><ul><li>Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
</li><li>Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
</li><li>Customized training programs to help you advance your career.
</li><li>Employee referral bonuses so you&rsquo;ll get the opportunity to work with friends (and get some extra cash in your pocket!).
</li><li>Educational Reimbursement.
</li>Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.<br>
<li>
</li></ul><p></p><p><b>#Carrington<br>
</b></p><p></p><p><b>#LI-GV1</b></p></div><p></p>

Loss Mitigation, Underwriter l

MASS BAY CREDIT UNION

<div><h2 class="jobSectionHeader"><b>About Us</b></h2><p>
Celebrating over 85 years in business, Mass Bay Credit Union has over $300M in assets, continues to grow, and is proud to be 19,000 members strong! We've recently expanded our field of membership which allows us to serve members in a much broader group of communities. In addition, as a member of the shared branching network, we provide our members with nation-wide service at thousands of credit union locations throughout the country.</p><p>
Interested in bringing your financial skills to a growth credit union where your input is valued? Then we would very much like to chat with you! Send us your resume in complete confidence.</p><p>
Mass Bay Credit Union is proud to be an Equal Opportunity Employer.</p><p></p><p><b><br>
JOB TITLE</b> : Manager of Loan Underwriting</p><p><b>
REPORTS TO</b> : AVP of Lending</p><p><b>
STATUS</b> : Full time; exempt</p><p></p><h2 class="jobSectionHeader"><b><br>
Job Purpose</b></h2><p>
To evaluate, analyze, and underwrite consumer and home equity loan applications in accordance with credit union lending policies, regulatory requirements, and sound underwriting practices. This role supports the credit union's mission by making timely, accurate lending decisions that balance the member experience, portfolio quality, and risk management while fostering strong member relationships along with the members financial well-being.</p><h2 class="jobSectionHeader"><b><br>
</b></h2><h2 class="jobSectionHeader"><b>
Duties and Responsibilities</b></h2><ul><li>
Review credit applications for various types of consumer loans, including Home Equity Products, and analyze applicable information (credit reports, collateral valuation, legal documents, etc.) to render credit decisions in accordance with lending policies.</li><li>
Use discretion and independent judgment for credit decisions not conforming to lending policies and consult with the Chief Lending Officer or AVP of Consumer Lending.</li><li>
Consistently demonstrates leadership in lending operations, member service, pipeline management, and sales.</li><li>
Proactively seek cross-selling opportunities for each credit applicant.
</li><li>Identify and assist in the development of new loan products.</li><li>
Establish clear expectations for productivity, quality, member service, and turnaround times.</li><li>
Identify performance gaps and implement coaching, training, and process improvements to enhance results.</li><li>
Promote a high performance culture focused on accountability, collaboration, member experience and risk management.</li><li>
Respond to and resolve consumer and home equity loan clerks, as well as retail staff loan inquiries in a timely manner and facilitate assistance from other staff as appropriate.
</li><li>Constantly develop greater knowledge in all areas of credit union operations.</li><li>
Maintain an in-depth knowledge of the Credit Unions policies and procedures as well as regulations and compliance, both state and federal.</li><li>
Required to attend or participate in necessary compliance training.
</li><li>Responsible for maintaining and updating the HMDA LAR on a monthly and quarterly basis.</li><li>
Ensure underwriting decisions are consistent with credit policy, credit union guidelines, regulatory requirements , and risk appetite.</li><li>
Assists with Quality Control reviews of loan files.
</li><li>Participate in activities that help reinforce our PICK US values and support a positive internal culture.</li><li>
Assist the Chief Lending Officer and AVP of Consumer Lending in performing other duties and responsibilities as needed to ensure organizational success.</li><li>
Exercise discretion and independent judgment with respect to all matters of lending.</li><li>
Responsible for adherence to anti-money laundering duties and the Bank Secrecy Act laws.</li><li>
Represent the Credit Union in a professional and friendly manner, both internally and within the community.</li><li>
Assumes other duties, responsibilities, special assignments, and training as necessary or directed.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Qualifications</b></h2><ul><li>
A minimum of 3 to 5 years of similar or related experience. Credit Union experience preferred.
</li><li>Knowledge of lending compliance.</li><li>
Strong Communication, both oral and written skills.</li><li>
Ability to become a Mortgage Loan Originator with the Nationwide Mortgage Licensing System &amp; Registry (NMLS).</li><li>
Computer skills mandatory.</li></ul><p></p><h2 class="jobSectionHeader"><b><br>
Working Conditions</b></h2><p>
This position requires a flexible schedule with limited evening and weekend duties, traveling in Credit Union's service area, attending events, and working at times with challenging circumstances and challenging members.</p><p></p><h2 class="jobSectionHeader"><b><br>
Physical Requirements</b></h2><p>
While performing the essential duties of the position, the employee would be regularly required to stand, sit, walk, stoop, kneel, talk, and hear. Vision requirements include close vision and the ability to focus. The nature of this position requires physical mobility and the ability to occasionally lift and/or move a maximum of 25 pounds.</p></div>

Manager of Loan Underwriting

Wheatland Bank

<div>About the Role:
<div>
The Consumer Loan Processor is responsible for gathering, analyzing and interpreting supporting information for consumer loan applications. The position prepares Consumer loans for Approval, Counteroffers, Denials. This position will ensure loans are compliant with loan policy, processes are followed according to procedures and exceptions are maintained within our risk framework. This position supports and adheres to department lending policies and operational procedures consistent with overall company policies.</div><div></div><div><b><br>
The pay range for this position is: $20.68 to $31.01 per hour.</b></div><h2 class="jobSectionHeader"><b>
PRINCIPAL RESPO</b><b>NSIBLITES AND DUTIES:</b></h2><h2 class="jobSectionHeader"><b>
Consumer Loans:</b></h2><ul><li>
Responsible for processing all new applications in a timely manner, including ordering and reviewing flood insurance, title insurance, hazard insurance, and preparing application for document preparation.</li><li>
Gather, analyze and interpret consumer loan applications and/or credit information for existing and prospective banking customers in order to process necessary file documentation.</li><li>
Create monthly reports from automated consumer loan system and Excel.</li><li>
Order and review flood certifications, title policies and appraisal requests.
</li><li>Provide assistance in the training of bank personnel on Consumer Lending related issues.</li><li>
Preparation and tracking of Adverse Action letters</li><li>
Quality Control review of Adverse Action packages</li><li>
Prepare and track decisioned loan follow up letters</li><li>
Answer questions from branch personnel regarding all Consumer Loan products, features, benefits, rates, application status, appraisals, flood certifications and title policies.</li><li>
Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.</li><li>
Must remain up to date on all governing Federal and State consumer regulations as they relate to Retail Lending.</li></ul><div><b>
ADDITIONAL RESPONSIBILITIES:</b></div><ul><li>
Adhere to Wheatland Bank Core Values</li><li>
Keep management informed of area activities and any significant problems</li><li>
Provide exceptional customer service to all customers, both internal and external.</li><li>
Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual.</li></ul><p></p><div><b><br>
POSITION CONTACT:</b></div><ul><li>
Frequent contact with the Consumer Operations Manager to receive guidance and coordinate work assignments.</li><li>
Frequent contact with customers and prospects.</li><li>
Contacts involve varied or complex situations which require tact, judgment, and the ability to develop solutions to problems.</li></ul><br>
<div></div>
About You:
<div><b>
QUALIFICATIONS:</b></div><ul><li>
High school diploma and/or equivalent experience in consumer or residential lending.</li><li>
2-4 years previous lending experience.</li><li>
2 years of experience in consumer lending focusing on policy and procedures recommended but not required.</li><li>
Requires a thorough understanding of all Consumer Loan Products including credit cards and knowledge of the regulations pertaining to interviewing an applicant and taking a credit application in person and/or over the telephone.</li></ul><div></div><div><b><br>
KNOWLEDGE, SKILL, ABILITY:</b></div><ul><li>
Must be self-driven, ambitious, and goal oriented, with strong analytical, underwriting, customer service, and sales skills.</li><li>
Will have strong leadership traits, work ethic, written and verbal communication and time management.</li><li>
Basic computer skills with proficiency in Microsoft Excel and Word.</li><li>
Must be accurate, punctual, dependable, and professional in appearance.</li><li>
Ability to relate to others and impart knowledge and information in a clear, precise manner is essential.</li><li>
Good math and organizational skills to ensure the maintenance of complete, accurate loan documentation and follow-up.</li><li>
Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.</li><li>
Ability to maintain strict confidentiality</li><li>
Ability to multi-task and handle complex tasks efficiently.</li><li>
Strong analytical skills</li><li>
Strong attention to detail.</li><li>
Excellent customer service skills</li></ul><div></div><div><b><br>
WORK ENVIRONMENT:</b> Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.</div><div></div><div><b><br>
PHYSICAL DEMANDS:</b> The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><p><br>
While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: bend and twist.</p><p>
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.</p><p>
Specific lifting abilities required by this job include: Up to 20 pounds.</p><p>
Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.</p>
What We Offer:
<div><b>
COMPENSATION &amp; BENEFITS:</b> Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details</div><div></div><div><b><i><br>
We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.</i></b></div><div></div><div><b><i><br>
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.</i></b></div><div></div><div><b><i><br>
No Recruiters or unsolicited agency referrals please.</i></b></div></div>

Consumer Loan Processor

American Airlines

<div><div><div><h2 class="jobSectionHeader"><b>Intro</b></h2></div><div><p>
Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you&rsquo;ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you&rsquo;ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board!</p></div></div><div><div><h2 class="jobSectionHeader"><b>
Why you'll love this job</b></h2></div><div><p>
This job is within the American Airlines Credit Union. The role is responsible for building member-relationships for the long term by matching member-needs to American Airlines Credit Union products, services and lending solutions.</p></div></div><div><div><h2 class="jobSectionHeader"><b>
What you'll do</b></h2></div><div><ul><li>
Process new loan applications, which includes interviewing the member, analyzing credit reports and documentation and offering the best product to meet member needs</li><li>
Exercise lending authority to correctly handle all loan requests, including but not limited to consumer loans</li><li>
Creates and promotes positive name recognition for the Credit Union
</li><li>Support or speak publicly at special Credit Union events</li><li>
Work with branch/department managers and staff to identify and leverage cross-selling opportunities</li><li>
Research member inquiries and provide solutions as required in a timely manner</li><li>
Maintain awareness of all branch functions and duties to ensure proper support and coverage is provided at all times</li><li>
Implement and enforce internal control and security measures in accordance with Credit Union policies and government regulations</li><li>
Foster a culture that promotes teamwork, service excellence and relationship building</li><li>
Handle responsibilities of a Member Services Representative as needed</li><li>
Perform Notary Services as required</li><li>
Provide coverage for management vacations</li><li>
May work a rotating Saturday schedule depending on job location</li><li>
Perform other duties as assigned</li><li>
The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act.</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
All you'll need for success</b></h2></div><div><p><b>
Minimum Qualifications- Education &amp; Prior Job Experience</b></p><ul><li>
High School diploma or GED equivalent</li><li>
Must be able to work in-person at assigned branch location</li><li>
Must have strong working background in a financial institution and relevant consumer loan processing or underwriting experience within the last twelve months</li><li>
Job level to be determined by the candidate's skills, qualifications and experience</li></ul><p></p><p><b><br>
Preferred Qualifications- Education &amp; Prior Job Experience</b></p><ul><li>
Bachelor's Degree in Business, Finance, related area, or equivalent financial services experience, or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions</li><li>
Lending and sales-culture environment experience</li></ul><p></p><p><b><br>
Skills, Licenses &amp; Certifications</b></p><ul><li>
Skilled in Microsoft Office software (i.e., Word, Excel, Access, PowerPoint) gained through either work experience with the software or education and hands-on use of the software</li><li>
Must fulfill FAA criminal background checks to qualify for unescorted access privileges to airport security identification display areas (SIDA), if applicable</li><li>
Ability to exercise excellent member service skills</li><li>
Ability to perform in a sales-culture environment with a desire to cross sell Credit Union products and services</li><li>
Ability to perform in a fast paced environment, handle multiple tasks and function as an integral part of a team</li><li>
Ability to interact professionally with all employees and members</li><li>
Ability to speak, read, and write in English is required; Spanish is a plus</li><li>
Ability to work independently and with minimal supervision</li><li>
Ability to perform basic math calculations and analyze data</li><li>
Ability to self-motivate with strong organization skills and capacity for attention to detail</li><li>
Ability to effectively prioritize work and meet deadlines</li><li>
Ability to sit and/or stand for extended periods of time</li><li>
Abiliyt to work varying schedules, including evenings and weekends</li><li>
Ability to travel overnight</li><li>
Ability to maintain satisfactory performance and attendance</li><li>
Ability to pass applicable American Airlines and Credit Union pre-hire compliance checks</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
What you'll get</b></h2></div><div><p>
Feel free to take advantage of all that American Airlines has to offer:</p><ul><li>
Travel Perks: Ready to explore the world? You, your family and your friends can reach 365 destinations on more than 6,800 daily flights across our global network.</li><li>
Health Benefits: On day one, you&rsquo;ll have access to your health, dental, prescription and vision benefits to help you stay well. And that&rsquo;s just the start, we also offer virtual doctor visits, flexible spending accounts and more.</li><li>
Wellness Programs: We want you to be the best version of yourself &ndash; that&rsquo;s why our wellness programs provide you with all the right tools, resources and support you need.</li><li>
401(k) Program: Available upon hire and, depending on the workgroup, employer contributions to your 401(k) program are available after one year.</li><li>
Additional Benefits: Other great benefits include our Employee Assistance Program, pet insurance and discounts on hotels, cars, cruises and more</li></ul></div></div><div><div><h2 class="jobSectionHeader"><b>
Feel free to be yourself at American</b></h2></div><div><p>
From the team members we hire to the customers we serve, inclusion and diversity are the foundation of the dynamic workforce at American Airlines. Our 20+ Employee Business Resource Groups are focused on connecting our team members to our customers, suppliers, communities and shareholders, helping team members reach their full potential and creating an inclusive work environment to meet and exceed the needs of our diverse world.<br>
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Are you ready to feel a tremendous sense of pride and satisfaction as you do your part to keep the largest airline in the world running smoothly as we care for people on life&rsquo;s journey? Feel free to be yourself at American.</p></div></div></div>

Loan Officer, AACU Branch Operations

Ethics HR

<p><b>Job Responsibilities:</b></p><ul><li>Evaluate and assess proposed risks to set accurate, adequate, and competitive premiums.</li><li>Conduct pricing analysis on the book of business, ensuring that premiums are both competitive and affordable.</li><li>Handle large and complex accounts, including those with high Gross Written Premium (GWP).</li><li>Assist junior team members in their roles, providing guidance and support to enhance their skills and performance.</li><li>Develop and deliver training to ensure team members are knowledgeable about underwriting practices and procedures.</li><li>Study and assess new group submissions from the sales team, working closely to gather necessary information for pricing.</li><li>Calculate renewal rates based on group experience, contract terms, and conditions.</li><li>Assist the sales team during negotiations with prospects or existing clients, aligning client needs with benefits and budget considerations.</li><li>Contact reinsurers as needed to support underwriting decisions and obtain necessary information.</li><li>Ensure adherence to underwriting guidelines and department authority matrix.</li><li>Prepare and present monthly reports and dashboards to track performance and outcomes.</li><li>Monitor and analyze portfolio performance, identifying trends and recommending improvements.</li><li>Build and maintain relationships with other business areas to enhance communication and facilitate decision-making processes.</li><li>Carry out assigned tasks effectively to achieve both personal and business goals, in accordance with organizational rules and guidelines.</li></ul><p><b>Job Requirements:</b></p><ul><li>Bachelor&rsquo;s degree in business, Finance or Actuarial Science from a reputable university.</li><li>Medical background is an advantage.</li><li>Minimum 2 years of experience as an Underwriter is required.</li><li>Strong analytical skills.</li><li>Good oral and written communication skills.</li><li>Commitment to teamwork.</li><li>Good computer skills.</li></ul><p>Work Location: In person</p>

Senior Employee Benefits Underwriter

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