Consumer Underwriter I bei Dickinson Financial Corporation

Summary

Perform underwriting and loan fulfillment support during non-traditional bank hours, evenings, and weekends. Associate will be trained as an underwriter, have access and approval authority to satisfy stipulations and approve/decline loans and have familiarity with resolving document or funding issues.  They would primarily support certain consumer loan programs but would be knowledgeable and able to provide support on other consumer credit products. Work directly with other Associates to solve problems and create better workflow between the consumer loan department, retail branches and online clients.

Responsibilities

• Using the appropriate platform for the specific product, underwrite quality Unsecured Consumer Loans and Secured Credit Cards, within approval authority, that meet or exceed Bank guidelines set forth by the product guide.
• Work with branches and online clients to answer questions and solve consumer loan issues.
• Monitoring queue for real-time communication to approved new clients regarding stips.
• Monitoring all approved not funded with stips for clients to submit documents that enable the clearing of stips.
• Engagement on outbound approved not booked follow-up calls and emails to facilitate timely loan closings.
• Review of Tier 3 or 4 declines for possible Starter Loan and outbound client contact related to the same.
• Monitor unsecured pending loans to clear review policies for final credit decisions.
• Demonstrate proficiency in key systems, including DecisionLender 4 and DecisionPro.
• Complete knowledge of product guide and underwriting guidelines.
• Complete knowledge of consumer loan products, rates, and regulations.
• Calling on solicitation lists to current clients as Access Loan candidates.
• Calling on declined Access loan clients for possible Career Builder applications.
• Conducted targeted quality assurance reviews, as assigned, of identified populations of applications.
• Assist in the timely and accurate resolution of credit bureau disputes.
• Understand, communicate, and instill the Company’s mission, vision, and values (Pillars of Success).
• Complete monthly training in a timely manner to ensure knowledge of bank regulatory requirements, policies, and procedures.
• Working at the worksite during regular business hours and/or assigned hours.
• Other specified duties as assigned.

Compensation & Benefits

Full‐time associates are eligible for our benefits package:

• Medical
• Dental
• Vision
• 401(k) plan
• Company paid life insurance
• Short and Long-term disability insurance
• Company paid vacation, paid leave and holidays

This position will remain open until a qualified applicant is hired.