Job: Underwriter/Credit Specialist

Position Reports To: Credit Supervisor

Basic Functions:

The primary functions of a Underwriter/Credit Specialist are to receive loan applications in the indirect lending software, proficiently analyze and decision them, as well as audit and process funding packages for accuracy and completion. A Credit Specialist is required to establish and foster positive, professional relationships with our dealer network and credit union partners, providing outstanding service.

Essential Functions

• Review and decision credit applications in a timely manner, according to the underwriting criteria of the applicable credit union
• Research and analyze all options prior to denying a credit request
• Learn and maintain knowledge of the indirect lending software system.
• Review funding packages for accuracy and completeness in a timely manner
• Follow up and resolve any issues that make funding packages incomplete
• Communicate effectively with dealers and credit unions, providing accurate information concerning loan status.
• Maintain positive, productive relationships with automobile dealers, credit unions, and other agencies/organizations associated with Credit Union Auto Finance.
• Assist with answering the phones, deliveries, and other office operational tasks
• Required to work flexible/extended hours
• Required to work one or two Saturday’s per month.

Other

• Participate in special assignments and projects as requested by management

Qualifications

Knowledge:

• Working knowledge of state and federal consumer lending regulations including Regulation Z, Regulation B, Fair Credit Report Act and all other applicable regulations.
• Working knowledge of organization’s policies/procedures and credit guidelines set forth by each respective credit union
• Must understand the importance of confidentiality.
• Proficient in Word, Excel and use of the internet

Skills:

• Excellent analytical skills
• Excellent communication skills both verbal and written
• Excellent attention to detail
• Must be professional at all times
• Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances

Abilities:

• Ability to manage multiple tasks
• Ability to keep duties organized
• Ability to work under pressure in a fast paced environment
• Must be able to sit for extended periods of time in a normal office environment

Notice: This job description is not intended to be, nor should it be construed, as a contract for employment. Credit Union Auto Finance makes no guarantee of permanent employment. This job description is to be used as a guideline to give you an understanding of what Credit Union Auto Finance has defined this position to be. Management may make changes to this job description.

Job Type: Full-time

Pay: $18.00 - $20.00 per hour

Benefits:

• Dental insurance
• Health insurance
• Paid time off
• Retirement plan

Physical setting:

• Office

Schedule:

• 8 hour shift
• Holidays
• Monday to Friday
• Overtime
• Weekends as needed

Education:

• High school or equivalent (Preferred)

Experience:

• Underwriters & Credit Analysts: 2 years (Preferred)

Work Location: In person