Job Description

Job Description

OVERVIEW ** :** The Senior Consumer Loan Underwriter **** role analyzes and makes decisions on consumer lending requests consistent with STCU policies and product details within lending authority limits. This position works independently while also providing support to other underwriters on more complex requests.

Job Responsibilities

· Ensure excellent member service, every member, every transaction, every time.

• Underwrite a high volume of consumer loan requests by analyzing credit reports, making sound lending decisions and identifying where the Credit Union may be at risk.
• Mitigate risk by staying current on industry trends and Credit Union risk tolerances within established lending authority.
• Demonstrate full proficiency and knowledge of consumer lending underwriting guidelines and maintain compliance with all regulatory standards by staying up to date on applicable guidelines, policies, and procedures.
• Solve problems and exercise sound judgement while balancing risk by reviewing and analyzing complex loan requests, tax analysis, and lending exceptions to determine suitability for the STCU portfolio.
• Ensure department goals are met by supporting a cohesive and consistent team dynamic; mentoring, training, and assisting coworkers; and assisting in reporting and tracking.
• Act as a senior member of the underwriting team by providing key feedback, mentoring, and training to loan officers, processors, and other underwriters when needed.
• Prepare and submit monthly production reports to the Consumer Lending Manager.
• Analyze and present credit requests in excess of delegated lending authority (manager level and above) to appropriate individual for review.
• Participate and/or consult on departmental or organizational projects that contribute to the evolvement of SCFCU’s culture and strategic vision and/or achievement of goals.
• All other duties as assigned.

Company Description

With nearly $100 million in total assets, SCFCU has grown to become one of the prominent credit unions in the Memphis metro. We continue to serve a very loyal member base while offering products and services to new members daily. Our culture here at Shelby County FCU is “member-centric,” meaning we keep our membership top of mind in all we do.

Company Description

With nearly $100 million in total assets, SCFCU has grown to become one of the prominent credit unions in the Memphis metro. We continue to serve a very loyal member base while offering products and services to new members daily. Our culture here at Shelby County FCU is “member-centric,” meaning we keep our membership top of mind in all we do.