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Loan Underwriter


   Closing Date: Sep. 27, 2017

Employer:Canyon State Credit Union
Job Location: Phoenix - Maricopa County
Employment Type:Full Time
Benefits:Yes

Description:

Come join the team at Canyon State Credit Union! We have an exciting opportunity available for motivated individuals who know the importance of excellent member service and sales.

Join a winning team and a dedicated Credit Union!!! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

Duties:

As a Loan Underwriter you will:
•Be responsible for prudent lending while balancing the needs of our customers with the needs of our organization.
•Review, analyze, and decision loan requests on products such as personal lines of credit, credit cards, unsecured loans, automobiles, home equities, recreational vehicles, boats, and motorcycles.
• Evaluate and verify loan applications and credit criteria and recommend counter offers as appropriate.
•Review financial statements, credit reports, applicable ratios and other supporting documentation.
•Compute needed ratios.
•Verify employment and income.
•Determine value of collateral.


To be successful in this role, you will need the following competencies:


Technologically Astute – Demonstrates the ability to use technology to effectively and efficiently perform job functions.

Results Orientation – Is keenly aware of personal, team, departmental and company wide goals and is able to prioritize work to achieve funding goals. Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines.

Service - Demonstrates an unsurpassed commitment to exceptional member service. Explains recommendations, products and services in ways employees can easily understand. Demonstrates patience, respect and empathy when dealing with employees or their complaints. Personifies CSCU’s role as a Trusted Advisor.

Initiative – Motivated self-starter who measure self against standards of excellence. Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration.

Accountability – Demonstrates responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Effective Communicator – Persuasive and confident. Explains recommendations, products and services in ways employees and members can easily understand.

Teamwork – Builds rapport with fellow teammates and credit union staff.

Qualifications:

Candidates for this position should meet the following requirements:

•Experience in underwriting loans from beginning to end with approval authority.
•Knowledgeable in applicable lending regulations.
•Analytical ability to make high quality loan decisions in accordance with loan policy, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan. This includes the judgement to apply broader aspects of established practices to situations, which go beyond clear, concise guidelines.
•Working knowledge of interviewing skills and techniques.
•Must be able to read and interpret all three major credit bureau reports.
•Ability to read and interpret financial statements and tax returns.
•Intermediate mathematical skills including calculations and concepts involving decimals, percentages, and fractions.
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