Credit Underwriter, Part Time

Job Description

Job Description

Description :

We are seeking a detail-oriented and analytical Credit Underwriter to assess creditworthiness and support lending decisions while also facilitating onboarding and account maintenance tasks for the Watercress contractor base. This role involves evaluating financial statements, credit reports, and risk factors to determine loan eligibility, ensuring compliance with internal policies and regulatory guidelines. The position requires collaboration with internal teams and external contractors to streamline the underwriting process, maintain efficiency, and uphold high credit quality standards. This role will also provide technical assistance and general support to those partners through regular phone, email, and chat interaction. This position will be located in West Des Moines, IA.

RESPONSIBILITIES

• Coordinate the credit approval process, including but not limited to processing credit applications and initiating inquiries into customer’s bank and trade references.
• Assess the creditworthiness of potential customers, including establishing payment terms and credit limits; handle special credit arrangements and deviations from standard terms of payment.
• Manage the full loan adjudication process by underwriting credit apps according to lending policies and evaluating risk to ensure the quality of the loan portfolio.
• Evaluate supplementary documents and condition loan accordingly, while documenting rationale behind loan decisions.
• Identify and log loans for exceptions while ensuring procedures are followed
• Assist with the establishment and implementation of credit policy; recommend policy adjustments as needed.
• Maintain knowledge of lending requirements, internal policies and procedures, and compliance and regulatory requirements.
• Strengthen and build lasting customer relationships with internal and external partners, including contractors via friendly, efficient and high-quality customer service
• Follow security and safeguarding procedures to protect against losses due to fraud and / or money laundering.
• Assist contractors with payment solutions and understanding / utilizing our financial products / services
• Track communication, activity, and action items within the Salesforce CRM and other network systems
• Performs other related duties as assigned by management.t.

QUALIFICATIONS

KNOWLEDGE AND SKILLS

DETAILS

Requirements :