Consumer Loan Underwriter
IBC BankBrownsville, TX, USjob_description.job_card.30_days_ago
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job_description.job_card.job_descriptionFour-year degree or relevant experience. Excellent verbal and written communication skills required. Proficiency with Microsoft Word, Excel and Outlook required. Bilingual in English and Spanish preferred. Superior organizational and time management skills.
Consumer Loan Underwriter
The Consumer Loan Underwriter is responsible for reviewing, assessing, and analyzing all aspects of a consumer loan application. This individual evaluates the risks of offering loans in order to approve / decline credit extension in addition to minimizing risk / loss.
Essential Job Functions :
- Evaluate and make independent decisions on credit, income, assets and risk to determine the income or probability of repayment for loan requests.
- Communicate the decisions (approvals / denials) of all credit applications to their appropriate parties.
- Provide loan support to all loan officers when necessary.
- Verify customer documentation for accuracy, completion, and adherence to policies and procedures.
- Establish documentation requirements on all approved applications that meet standards set by internal / external guidelines.
- Understand and comply with applicable Federal and State laws, banking regulations, and company policies and procedures.
- Prepare reports detailing risk assessment findings and other data that contribute to lending decisions.
- Perform other related duties as assigned.
Education and Skills Requirements :
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Consumer Underwriter • Brownsville, TX, US