Consumer Loan Underwriter
Consumer Loan Underwriter
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1 Vacancy
Job Description
At Ashland Credit Union (ACU) we look for people who are ready to Own Their Journey! Whether you are just beginning your career or looking to achieve more along your professional journey ACU is a great place to get you on the path that best serves you and our members. If you have a passion to serve a desire to work in a fast-paced environment and are willing to bring enthusiasm to work with you each day then you may just find that ACU is the right fit for you.
Do you have a desire to reach higher and empower those around you Then your journey brought you to the right place and we would like to meet you.
Life is a journeyOwn it!
About Us:
Ashland Credit Union is a non-profit and member-owned credit union that has been providing exceptional service to members for over 80 years. Continued growth and adaptability are what has allowed ACU to always be a trustworthy answer for staff and members along whatever journey in life they are on. At Ashland Credit Union we embolden our members to achieve their financial goals. Along lifes journey it is our mission that staff members and the community we serve can count on ACU for guidance as they strive to achieve more in life.
Position Summary:
ACU has an exciting opportunity for a Loan Risk Analyst to join our Loan Risk Department in Ashland KY. This position will serve as a lending underwriter with responsibility for analyzing continuous reflection and innovation within established underwriting guidelines so ACUs risk tolerance remains balanced within its growing loan portfolio.
Job Responsibilities:
Process and record incoming titles and facilitate the title lien perfection process by using the ACU Title Tracking Database to execute ACUs secured transportation loan procedures.
Analyze payoff checks and promptly process lien releases in accordance with ACU policies and procedures.
Develop and maintain an organization system that allows personnel to efficiently locate title information not stored electronically in the ACU OnBase retention system.
Answer title related member inquiries or concerns in person by email fax or telephone in a professional manner.
Take ownership of the ACU Title Tracking Database and keep the Loan Risk Manager informed of any significant issues on titles that are outstanding for more than 60 days.
Review all lending applications and supporting documents for accuracy completeness and compliance with Ashland Credit Union lending policies and procedures.
Verify member/applicants income for all consumer loans by analyzing financial documentation such as tax returns W2s 1099s paycheck advices and other forms of source documentation that provides evidence of income.
Other duties as requested by the Loan Risk Manager or the VP of Member Experience.
Education & Experience Requirements:
- Experience in lending and credit analysis
- Experience in the financial services industry
- Understanding of federal laws and regulations as they apply to consumer loans mortgage loans visa credit cards and business/commercial loans
- Ability to collaborate with other managers and work to create balanced processes that satisfy the interests of both parties.
- Strong analytical skills
Required Skills & Abilities:
Ability to work Monday-Thursday 8am-5pm EST Friday 8am-6pm EST Occasionally Saturdays 9am-1pm EST
Ashland Credit Union is committed to building a team that represents a variety of backgrounds perspectives and skills. We are committed to diversity and inclusion in the workplace and do not discriminate on the basis of race sex age handicap religion natural origin or any other basis of protected class or where prohibited by law.
Employment Type
Full Time
