Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Key Responsibilities:
- Review and analyze loan applications, supporting documentation, and credit reports to assess borrower eligibility and risk.
- Ensure all loan files comply with internal policies, industry regulations, and legal requirements.
- Conduct audits of existing loan portfolios to verify accuracy and identify potential issues or discrepancies.
- Make informed underwriting decisions based on financial data, creditworthiness, and risk factors.
- Collaborate with loan officers, credit analysts, and other stakeholders to facilitate smooth loan processing.
- Maintain detailed records of audit findings, decisions, and recommendations for continuous improvement.
- Stay updated on industry regulations, lending standards, and best practices to ensure compliance.
Skills and Qualifications:
- Proven experience in loan underwriting, auditing, or credit analysis within a financial institution.
- Strong understanding of lending regulations, credit scoring, and risk assessment techniques.
- Excellent analytical skills with keen attention to detail.
- Ability to interpret financial statements, credit reports, and legal documents.
- Strong communication skills, both written and verbal.
- Proficiency in loan management software and Microsoft Office Suite.
Desired:
- Bachelor's degree in finance, Business Administration, or a related field; relevant certifications are a plus.
Required:
· 5+ years of experience in financial lending operations or a similar role.
· 3+ years of lending underwriting experience.
· Exercise independent judgment and critical thinking.
· Excellent analytical and problem-solving skills.
· Excellent verbal and written communication skills.
· Ability to prioritize tasks.
· Ability to interact with integrity and professionalism.
· Strong lending background.
Strong attention to detail and organizational skills.
