Consumer Underwriter

Summary

Join Banner Bank as a Consumer Underwriter and contribute to the long-term profitability of the Bank's operations by reviewing consumer loans to meet Bank standards for economic value and safety. You will analyze, review, and approve or decline consumer loan requests, develop sound credit judgment, and ensure the accuracy of loan documentation. Responsibilities include working within assigned lending limits, contributing to the Bank's positive community image, servicing existing loan accounts, and adhering to all policies and regulations. This role offers the opportunity to utilize your expertise in consumer lending and contribute to a stable and growing financial institution known for its strong workplace culture and commitment to community involvement. Banner Bank provides a comprehensive benefits package, including competitive compensation, health insurance, paid time off, retirement plan, and professional development opportunities.

Requirements

• H.S. Diploma: required (an equivalent combination of education and experience may be considered)
• 2 or more years of experience as a consumer loan underwriter required
• Knowledge of financial institution policies and procedures
• Possess good sales, organizational, managerial, communication and public relations skills, particularly in working with documentation that requires special or confidential handling
• Proficient with the Bank’s loan application processing system and Microsoft Office, including Word and Excel
• Ability to work independently and accurately in a deadline driven environment
• Knowledge of federal and state laws and regulations relating to consumer lending

Responsibilities

• Analyze, review, and approve/decline all consumer loan requests in one or more of the following areas: consumer, auto, home improvement, open-end credit requests, and lines of credit for borrowers
• Develop sound credit judgment of applicants
• Responsible for approving loans within assigned lending limits using the Bank's loan application processing system
• Responsible for assembling and verifying the accuracy of documentation for loans
• Responsible for contributing to the Bank's profitability by making consumer loans which meet Bank standards for economic value and safety
• Responsible for contributing to the Bank's favorable image in the community by carrying out loan activities in a manner promoting customer goodwill
• Responsible for servicing existing loan accounts and handling the modification of terms
• Responsible for complying with policies, procedures, security requirements, and government regulations

Benefits

• Comprehensive employee benefits, including medical, dental, vision, LTD, STD and life
• Paid vacation time, sick time, personal days, paid volunteer time and 11 company paid holidays
• 401k (up to 4% match with immediate vesting)
• Tuition reimbursement up to $5,250 annually (minimum service requirement)