Underwriter I

Job Details

Level

Experienced

Job Location

South Richland HQ - Richland, WA

Position Type

Full Time - Hourly

Education Level

High School

Salary Range

$25.11 - $37.67 Hourly

Description

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us : About - Gesa Credit Union

Role Summary :

Under the general supervision of the Underwriting Assistant Manager / Team Leader or Consumer Underwriting Manager / Team Leader, the Underwriter I is responsible for evaluating and making quality decisions on consumer loan applications (both direct and indirect). This role ensures adherence to Gesa Credit Union's established underwriting standards while identifying and proposing alternative financial solutions tailored to applicants' needs. Possessing intermediate knowledge in consumer lending, the Underwriter I also contribute to dealership outreach and the development of dealership portfolios and is responsible for cultivating and maintaining strong relationships with branch partners. This position requires demonstrated capability in managing moderate responsibilities beyond core underwriting duties.

What You Will Be Doing :

• Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy under general guidance of a Sr. Underwriter or Manager
• Evaluate and mitigate risk while maintaining profitability associated with extending credit requests.
• Apply underwriting guidelines in making and defending loan decisions under moderate guidance of an immediate supervisor
• Identify and recommend additional lending opportunities to increase relationships with members
• Provide accurate pricing and terms to dealerships in a courteous / professional manner
• Ensure compliance with legal requirements, lending regulations and internal policies and procedures
• Maintain positive relationships with colleagues and business partners
• Maintain the highest level of confidentiality relative to information received directly or indirectly
• Adhere to all local, state, and federal laws / regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act
• Ability to analyze, research and resolve medium complexity problems under moderate guidance of an immediate supervisor
• Develop knowledge and skills through formal training classes or on-the-job experience
• Serve as resource or Subject Matter Expert for team
• Displaymutual respect, trust, and dignity, acting in the best interest of the credit union. Lead by example by always displaying solid ethics and integrity. at all times
• Ensurethat all issues are handled in a fair, legal, and consistent manner

About You :

Qualifications

What You Will Need :

Our Team Member Value Proposition :

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer :

Full Salary Range : $25.11 - $37.67

Get wise to what's possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit / background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race / Color / Gender / Sexual Orientation / Gender Identity / Religion / National Origin / Disability / Veteran.

Equal Employment Opportunity (gesa.com)