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Position Purpose:
Underwrites credit card and consumer loans according to lending policy and procedures to ensure loan quality and reduce delinquencies.
Responsibilities
Essential Functions and Basic Duties
Review, analyze and render decisions focusing on consumer lending products including, but not limited to personal loans, automobile loans, student loans, home equity loans, and home equity lines of credit
Properly evaluate and document exceptions to guidelines and/or policies prior to presenting to management
Maintain credit standards, policies and procedures and manage exceptions within an acceptable tolerance and communicate decisions to internal members
Make credit decisions in compliance with regulatory requirements
Reviews and analyzes vehicle loan applications submitted by dealerships
Analyzes applicants' financial status; credit history and collateral evaluation; communications with dealership and/or applicants to resolve loan application questions
Refers loan applications exceeding established lending authority to appropriate Consumer Lending Manager
Ensures loan agreements and documentation are complete and accurate
Provides support and direction to all Consumer Loan Underwriters; collaborate on loan applications and making recommendations
Handles inbound calls regarding loan applications
Qualifications
Professionalism
Maintains timely and regular attendance to meet member needs
Easily adapts to change and embraces new ideas
Prioritizes and manages multiple demands
Models Hiway GPS core values and service expectations
Meets scorecard performance goals
Adheres to any and all current and/or future policies, procedures, and guidelines
Assumes all duties as assigned by management
Skills, Knowledge and Abilities
Bachelor's degree and 3-5 years of lending and credit review experience, or equivalent combination of education and work experience
Experience reviewing personal and business financial statements and tax returns
Ability to render sound credit decision on own authority
Knowledge in Consumer loan underwriting and analysis, including the review and interpretation of client financial statements and tax returns
Oral and written communication skills
Ability to interact with both internal and external members
Independent thinking and decision-making skills
Knowledge of credit and regulatory policy
Hiway Credit Union
Saint Paul, Ramsey, MN 55103
US
