Loan Underwriter I

Are you looking for an opportunity to let your skills shine Come join the team at Copper State Credit Union! We arent so small that growth opportunities are scarce and we arent so big that youll get lost in the shuffle. With only 140 employees we are able to offer similar products and services as our larger competitors but on a more personalized scale both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to in the corporate world. At Copper State Credit Union we value the contributions of our employees and actively look for ways to be collaborative within all levels of the organization. Here you will have the opportunity to roll up your shirtsleeves put your unique skills to work and have a voice in developing your role from the ground up.

As an Underwriter I you will:

• Responsible for prudent lending while representing the financial interests of both the members and the credit union including timely turnaround of applications from various origination channels.
• Responsibilities include assessing applications for various consumer loans including personal and auto loans.
• Examine credit reports income statements tax returns and other documents to evaluate borrowers risk.
• Make decisions on loan approvals denials or conditions based on established guidelines and risk thresholds.
• Ensure compliance with regulatory requirements and internal policies staying abreast of changes in laws and regulations related to consumer lending.
• Collaborate with loan originators loan processing and vendors to obtain necessary information and clarify any discrepancies.
• Build and maintain relationships with internal staff and external vendors to support consumer lending needs.
• Keep all credit union member and employee related business in strictest interactively with other team members to promote unity and consistency of operations within the organization. Works with other team members towards the attainment of branch/department/organizational goals in addition to their personal/professional goals.

To be successful in this role you will need the following competencies:

Technologically Astute - Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation - Keenly aware of personal team departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success.

A Service Focus - Demonstrate an unsurpassed commitment to exceptional member service. Build constructive working relationships characterized by cooperation collaboration and mutual respect. Personify CSCUs role as a Trusted Advisor.

Initiative - Motivated self-starter who measures self against standards of excellence. Display energy and enthusiasm in approaching the job. Wants to get in on the ground floor and create something from scratch. A bit of an entrepreneurial spirit goes a long way in our environment.

Eye for Quality - Take responsibility for providing timely and accurate information responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Flexibility - The ability to excel in a high stress environment adapt to changing business needs and work priorities needs is a must. Develop fresh ideas that provide solutions to all types of workplace challenges.

Company Overview

Join a winning team and a dedicated Credit Union! We have been offering quality financial service to members and their families since 1951. As a credit union we are a not-for-profit financial cooperative which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951 we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security quality and convenience in an environment that values and respects members employees and business partners.

• Requires education equivalent to a four-year high school education or general education degree (GED). Some post-secondary education preferred.
• At least 1 year of experience in a lending department or branch office of a credit union or financial institution required. Experience in consumer loan underwriting preferred.
• Work requires comprehensive knowledge of consumer loan policy credit granting criteria interest rates and how they are computed and required documentation for each loan type. Thorough understanding of underwriting policies and procedures.
• Ability to read and interpret all three major credit bureau reports. Must be able to read and interpret financial statements. Experience with income analysis including reviewing paystubs/benefit statements to determine most accurate monthly figures.
• Requires the ability to analyze and solve problems demonstrate persistence to overcome obstacles to best serve our members.
• Intermediate mathematical skills required (calculations and concepts involving decimals percentages fractions etc.).
• Requires judgment to apply broader aspects of established practices to situations which go beyond clear concise guidelines. Intensive fact-finding and investigation required to solve major complex problems. Requires extensive creativity and resourcefulness.
• Requires excellent computer and work processing skills. Experience with consumer loan software programs required. Experience with mortgage loan software programs preferred.
• This position requires compliance with all consumer lending regulatory requirements.