FirstBank Jobs

Position: Consumer Loan UnderwriterUnder the general supervision of the Retail Lending Manager, the Consumer Underwriter is responsible for examining, evaluating, and decisioning consumer loans. Journeys start here.Key Responsibilities:•Responsible for pipeline management to ensure timely underwriting of consumer applications.•Analyzes credit applications received from all sources including indirect applications. Analysis includes, but is not limited to, reviewing applicant financial status, credit history, and property evaluation; assess income, calculating debt ratios, and reviewing/researching any other factors needed to evaluate credit worthiness to determine feasibility of granting loan requests.•Approves consumer loans within authority and follows all federal, state, industry guidelines, and credit union policies.•Make appropriate lending decisions to recommend loans for approval, decline, counteroffer or suspends applications, as necessary.•Maintains a working knowledge of government rules and/or regulations related to consumer lending and fraud. Abides by all credit union policies, procedures, and protocols.•Imparts lending knowledge and works effectively with Member Service and Loan Operations departments to ensure conditions are understood and processed correctly.•Supports indirect lending functions as necessary.•Other tasks or projects as assigned by the Retail Lending Manager including updating lending procedures and staff training and guidance.We are looking for:•High school diploma or equivalent. Associates degree preferred.•3-7 years of work experience in consumer underwriting.•Sound knowledge of State and Federal banking regulations.•Sound knowledge of regulatory requirements including HMDA, Fair Lending, Reg B., and CRA.•High degree of human relation and communication skills; including written and verbal communication skills.•Must have the ability to analyze and evaluate special circumstances and make appropriate decisions according to operating policies and procedures.•Proactive, precise, and highly motivated.•Knowledge of and experience with financial services software applications and systems•Willingness to cross-train on mortgage loans.Schedule: •Hours are generally 8:30am - 5:30pm, Monday - Friday, 38 hours per week.•This is a hybrid position with a possibility of being remote 1 -2 days per week, once familiar with job responsibilities and systems.•Position will be located at our Wayne St location.Benefits: Retirement: Preparing for your future •Safe harbor contribution of 3% to your retirement plan •Discretionary Employer Match up to 6% •Discretionary profit-sharing contributionInsurance: Taking care of you & your family•Employer pays 75% of Medical and Dental Insurance•Employer Paid Life Insurance and Long-Term Disability•Voluntary Short-term Disability and Vision InsurancesTime Off: Encouraging a work-life balance•Sick time•40 hours personal time•11 Paid Holidays•Generous Paid Time Off. The longer you stay, the more you earn! Other Amazing Perks: •Reduction in rate for applicable loans•Tuition assistanceVisit www.highpointfcu.org to learn more. The expected pay range for this position is $21.00-$26.00/ hour. This salary range only reflects base wages and does not include benefits or other types of compensation. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law.High Point Federal Credit Union is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Minimum Salary: 21.00 Maximum Salary: 26.00 Salary Unit: Hourly