Card Underwriter I
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Job Location:
Forest Hills, PA - USA
Monthly Salary:
Not Disclosed
Posted on:
15 hours ago
Vacancies:
1 Vacancy
Job Summary
The position is described below. If you want to apply click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application youll be invited to create a profile which will let you see your application status and any communications. If you already have a profile with us you can log in to check status.
If you have a disability and need assistance with the application you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries wont receive a response).
Regular or Temporary:
RegularLanguage Fluency: English (Required)
Work Shift:
1st shift (United States of America)Please review the following job description:
This position underwrites and decisions credit card requests while adhering to Service Level Agreement measurements. The role will make credit decisions on all credit card and Ready Now Credit Line applications in accordance with the Banks policies. Support coaching and client service is provided to bankers to ensure understanding and enforcement of policies and to help ensure consistency in execution of the lending process.Following is a summary of the essential functions for this duties may be performed both major and minor which are not mentioned activities may change from time to time.
1. Underwrite and decision within delegated lending authority credit card and Ready Now Credit Line applications where the risk profile falls outside of auto decisioning criteria.
2. Perform complex debt capacity and revolving credit utilization calculations and supporting compensating factors on higher risk/complex requests.
3. Ensure all credit decisions are made in compliance with bank policies procedures and federal regulations.
4. Process and complete manual underwriting or communications including the management of group email boxes.
5. Provide phone/email support for banker questions.
6. Provide recommendations to Manager for improving policy and processes related to underwriting consumer cards and constant credit.
7. Clearly document each application to include rationale for any policy exceptions.
8. Meet production goals established for the role in addition to meeting turnaround time standards.
QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge skill and/or ability accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Bachelors degree in a Business or related field or equivalent education and related training
2. Knowledge of consumer lending products credit policy applicable federal laws and regulations
3. Proficient analytical and problem-solving abilities
4. Strong verbal and written communication skills
5. Ability to multi-task and handle heavy workloads
6. Demonstrated proficiency in basic computer software applications such as Microsoft Office products and automated loan origination systems containing risk models and internal scorecards.
Preferred Qualifications:
1. 3 years consumer underwriting experience in a centralized fast-paced customer service orientated team environment.
2. Knowledge of bank operations systems compliance and regulatory issues
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits though eligibility for specific benefits may be determined by the division of Truist offering the offers medical dental vision life insurance disability accidental death and dismemberment tax-preferred savings accounts and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment along with 10 sick days (also prorated) and paid holidays. For more details on Truists generous benefit plans please visit our Benefits site. Depending on the position and division this job may also be eligible for Truists defined benefit pension plan restricted stock units and/or a deferred compensation plan. As you advance through the hiring process you will also learn more about the specific benefits available for any non-temporary position for which you apply based on full-time or part-time status position and division of work.
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race gender color religion citizenship or national origin age sexual orientation gender identity disability veteran status or other classification protected by law. Truist is a Drug Free Workplace.
Key Skills
- Loan Processing
- Computer Skills
- Fraud
- Math
- Banking
- Pricing
- Analysis Skills
- Fair Housing Regulations
- Underwriting
- Financial Analysis
- negotiation
- Phone Etiquette
About Company
Your journey to better banking starts with Truist. Checking and savings accounts, credit cards, mortgages, small business, commercial banking, and more.
