Direct Consumer Underwriter I / II

Overview

The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.

Location : US-MS-Pearl | Job ID : 2025-18871 | Category : Underwriting | Type : Regular Full-Time | Job Grade : 10 | FLSA Status : Non-Exempt | Working Hours : 8am - 5pm

Responsibilities

• Approve, decline, or conditionally approve consumer loan applications and provide supporting documentation
• Perform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factors
• Prepare loan recommendations for the HMDA Retail Second Review Committee
• Ensure compliance with all Bank regulatory requirements
• Interact with Loan Officers to gather the information necessary to analyze each loan application
• Perform additional duties as assigned.

Qualifications

Additional Qualifications for Level II :

Physical Requirements / Working Conditions

Must be able to sit for long periods of time and use computer keyboard and / or mouse, while viewing computer screens.

Note

This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete, or modify any of these responsibilities at any time during employment.

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