Credit Services Underwriter bei Time Investment Co Inc

Description

The primary function of this position is to analyze credit worthiness of new customers and assess the risk of offering credit to an individual(s). Additional responsibilities are assisting other departments as needed. 

Essential Duties and Responsibilities

This list of duties and responsibilities is not all inclusive and may be expanded to include other duties and responsibilities as Management may deem necessary from time to time.

• Underwrite loans following our credit standards applicable ratios (i.e. debt to income ratio & payment to income ratio) and underwriting guidelines
• Verify and examine information and accuracy of loan application
• Analyze credit reports
• Review financial statements, tax returns, proof of property ownership documents, paystubs, and bank statements.
• Complete new dealer due diligence reviewing credit, CLEAR reports, Business Experian reports and on-line websites to make an informed decision.
• Aid or back up the Dealer Concierge Department when requested for phone in applications.
• Other miscellaneous office duties as assigned by managers.

Requirements

Requirements and Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Prefer a 2- or 4- year college degree in business 
• 2-3 years of experience in finance /customer service
• Underwriting and/or Credit Analysis/Decisioning experience required
• Excellent customer service skills 
• Conducts oneself in a professional manor
• Must be responsible and self-managed
• Must have excellent follow-up and tracking skills
• Must be detail-oriented
• Excellent computer skills (Microsoft Word/Excel)
• Great communication skills both verbal and non
• Excellent typing skills
• Team orientated
• Experience with office/team setting