Hybrid Loan Underwriter III bei Vibe Credit Union

Our Purpose

At Vibe, we are driven by our mission to elevate community and create opportunity. We believe in fostering an environment of inclusivity where every team member has the chance to grow professionally. Guided by our core values – be inclusive, educate, embrace change, and seek opportunities - we are dedicated to making a positive impact in the lives of our members and communities. As we continue to grow and expand our team, we are seeking passionate individuals who share our vision and are eager to join us in our journey. If you are someone who is passionate about making a difference and is committed to creating a brighter future for our communities, we invite you to explore this exciting opportunity at Vibe!

Position Purpose

This position is responsible for delivering high quality service to both internal and external members in alignment with our Service Promises.

Essential Duties

• Review and evaluate member applications, credit report information, collateral valuation, conditions, income statements, and other supporting documentation to decision requests within decisioning authority level.
• Underwrite direct and indirect consumer loans including unsecured, secured, home equity and credit cards in accordance with Credit Union policy.
• Ability to underwrite and understand commercial real estate lending
• High level of expertise in the cash flow analysis for traditional wages and self-employed borrowers using pre-determined tools
• Evaluate credit and collateral risk, analyze data and use policies as a guide to ensure quality loan decisions.
• Serve as an empowered decision maker and escalation point for troubled loans and second reviews.
• Provides back-up support to management as necessary to ensure efficient operations and timely flow of work.
• Assists with vendor admin, setup and resets, when necessary, in various tools and site accesses needed for home equity process
• Assist with providing underwriters with up-to-date tools, training and development to maintain consistency in underwriting consumer loans within the framework of our lending policies and guidelines.
• Assist lending management to maintain underwriting guidelines and loan procedures, as well as making recommendations to adjust, as needed.
• Supports process improvement, projects, special programs and business objectives.
• Collaborate effectively, especially with regards to communicating decisions, with managers, branch personnel, loan specialists, and other underwriters to ensure that loan application information is accurate and complete.
• Review member account relationships with Vibe Credit Union and suggest additional loan products when applicable.
• Thorough understanding of services, products, terms and processes of personal, secured, revolving and real estate (home equity) lending.
• Serve as a resource on consumer loan products/services of the Credit Union; respond to internal and external loan related member questions and research.
• Evaluates the acceptability of conventional mortgage loans and ensures successful partnership with our mortgage partner.
• Understand guidelines, regulations, compliance requirements and internal policies.
• Other duties may be assigned.

   

  Education/Experience

• High School graduate or equivalent.
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• Thorough knowledge of member services and products.
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• Five to Eight years of related experience and training.

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  Skills/Abilities

• Strong organizational skills.
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• Exceptional written and verbal communication.
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• The ability to maintain composure in stressful situations.
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• The ability to read and interpret lending and real estate documents and procedure manuals.
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• Able to write routine reports and correspondence