Job description

At our Bank, we believe common sense is more than just banking. We believe in finding financial solutions that cater specifically to our client’s needs.We are looking for talented associates who understand the complexities of life and will offer simple solutions that best fit the needs of our clients.
If this is what you believe in, then you’re definitely right for us. And, we might be the right bank for you.

As a Consumer Loan Underwriter II’s, you will examine a client’s loan application to determine the degree of risk based on the banks credit policy.You will be responsible for a variety of tasks including reviewing/analyzing credit bureau data, tax returns, financial statements, appraisal reports, supporting loan documentation and developing loan policy and procedures.Additionally, Consumer Loan Underwriter II’s are expected to identify any potential loan risks, condition loan requests, provide alternative loan restructuring, communicate with Senior Leadership on changing market trends, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements: To be considered for this position, you must possess the following qualifications.

• High School diploma or higher
• 6 years of credit underwriting experience or equivalent work experience
• Specialty Loan Knowledge such Secondary Market Investor and/or Business Banking Lending is a plus
• Familiarity with consumer and real estate disclosers

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:

• Bachelor’s degree or higher
• 8+ years of underwriting experienced preferred
• Knowledge of basic Secondary Market guidelines
• Some understanding of Business Banking Lending
• Nuances of Portfolio Lending
• Knowledge of FIS/ IBS Platform is desired

Skills and Abilities: Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Strong verbal and written communication skills
• Excellent analytical, decision making skills
• Adept at utilizing current technology and software
• Ability to handle multiple tasks simultaneously and prioritize based on a deadline-driven environment
• Prior experience using Microsoft Word, Excel and PDF

Work Environment:

• Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours)
• Sitting for extended periods of time (typically no longer than 8 hours)
• Using keyboards and viewing computer monitors for extended periods of time

Thank you for your application!
The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.

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