Consumer Lender - Underwriter (Hillsdale)

Consumer Lender - Underwriter

County National Bank (CNB) is an independent, locally-owned, community bank that is successful and growing whose mission is to sustain its deep commitment to the community and its traditions of excellence in all aspects of banking, and provide outstanding client service and solid financial performance. We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities. CNB is looking for a qualified, motivated, and client- and team-focused individual to join our team as a Consumer Lender - Underwriter in our Hillsdale Office.

Job Summary Underwrites and evaluates consumer loan applications and documentation to determine credit worthiness. Approves or rejects loan requests within loan approval limits. Assists branch managers / officers in qualifying loan applications while adhering to all underwriting guidelines, policies and procedures.

Duties

• Provides underwriting decision following guidelines (1st review) within 48 hours of file being submitted to the underwriting queue.
• Completes 2nd review within 48 hours of submission and processes Adverse Actions (denied / withdrawn files), when necessary.
• Validates loans to loan policy and guidelines, as well as getting the needed approvals.
• Assists loan originator with :
• Getting a credit analysis to do a self-employed income analysis and determining the qualifying income for self-employed borrowers
• Pre-approving borrowers
• Answering any questions branch managers may have
• Prepares and mails adverse action notices for loans that are denied or withdrawn, and for incomplete files.
• Verifies and inputs information in C1 (LOS system) and submits the loan for Processing.
• Provides underwriting checklist.
• Reviews, analyzes, and approves or denies Indirect applications.
• Maintains and protects confidentiality of customer information.
• Maintains regular, on-time attendance.
• Remains current in assigned training (online, video, in-house emails, telephone seminars, etc.)
• Manages and maintains portfolio past due activity (in cooperation with Loss Mitigation) and maturing loans.
• Stays abreast of competition products and pricing.
• Visits and maintains indirect relationships.
• Assists with the annual high-risk HELOC reviews and with real estate loans in non-accrual status.
• Obtains all signed disclosures and loan documentation as required in order to deliver a complete package to the Loan Processors in a timely manner.
• Provides training for new users of lending software.
• Provides training to new consumer loan and branch staff concerning consumer lending policies and procedures.
• Seeks solutions to create efficiencies, improve products and increase revenue.
• Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
• Performs other various duties as assigned.

VEVRAA Federal Contractor - We request Priority Protected Veteran and Disabled Referrals for all of our locations. County National Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, or any other characteristic protected by law.