CONSUMER UNDERWRITER / LOAN OFFICER
Sandia AreaAlbuquerque, NM, United States22 hours ago
Job type
- Full-time
Job descriptionMedical, Dental & Vision Insurance Paid Short-Term Disability, Life Insurance and AD&D Paid Federally Recognized Holidays Vacation, Birthday, Floating Holiday & Sick Leave Tuition Reimbursement 401(k) with Employer Match Pension Plan Opportunities for advancement Gathers background information on loan applicants through interviews and credit bureau reports Assists members with the loan application process to ensure completeness of information Verifies debt-to-income ratios and calculates the level of outstanding secured and unsecured debts Determines collateral needs, strength of collateral, and payment plan Verifies the accuracy of application information, loan amounts, and repayment terms, and ensures approved loan requests are originated Approves or denies consumer and real estate loan applications within credit union parameters and lending limits Explains reasons for denial and explores options for members when loans are denied Sells products and / or services to meet members' needs and to achieve Credit Union goals and objectives Implements new loan products and system services in accordance with management direction Requires excellent analytical skills where lending decisions are complex. Requires excellent interpersonal communication skills to relay positive or negative lending decisions to members. Solid understanding of National Credit Union Administration (NCUA) lending regulations and credit union lending policies and procedures. At ease selling Credit Union products and services. Productive degree of initiative to manage large volume of incoming loan applications. Flexible in judgement making. Excellent oral and written communications skills. Ability to set priorities to meet deadlines. High level of organizational skills. Must be able to lift up to 10 lbs. Requires two year Business or related degree or equivalent experience. Between three and five years financial institution experience, including progressive responsibilities in consumer lending. Technical study of loan practices required. General knowledge of credit unions and operations may be desirable. Must be in good standing in the Nationwide Mortgage Licensing System and Registry and hold a Mortgage Loan Originator License. Please submit an employment application to www.sandia.org / careers
Job Details
Job Location
Albuquerque, NM
Position Type
Full Time
Education Level
2 Year Degree or Experience
Travel Percentage
None
Job Shift
Full Time
Job Category
Finance
Description
Ready to crunch numbers, analyze risk, and make dreams come true? Join our dynamic team as an Underwriter and become the financial superhero behind every approved loan! We are seeking an individual with prior underwriting experiencewho will dive deep into applications like a detective on a mission, use data, judgment, and some underwriting magic to make confident decisions, and partner with awesome loan consultants to create a streamlined loan experience.
Location : Operations Center, NE Albuquerque
Schedule of Work :
Monday to Friday : 8 : 30 AM - 5 : 30 PM
Rotating Saturday : 8 : 30 AM - 1 : 30 PM
- Please keep in mind that this schedule is subject to change as needed.
BENEFITS :
OVERALL JOB PURPOSE
The Loan Officer will be responsible for interviewing, analyzing, underwriting and rendering decisions on loan applications using background information, applicant's credit history and policy guidelines.
DUTIES AND RESPONSIBILITIES
The duties and responsibilities of this position include but are not limited to :
Qualifications
KNOWLEDGE, SKILLS, AND ABILITIES
EDUCATION AND EXPERIENCE REQUIREMENTS
Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.
Sandia Area Federal provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
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Consumer Officer • Albuquerque, NM, United States
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