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Posted: Friday, January 5, 2018 2:38 AM

Job Description:/h3:
WORK IN A FUN, TEAM:FOCUSED ENVIRONMENT where we build strong relationships with our Credit Union members.
The Loan Underwriter will have a minimum of 2 years consumer loan processing (automobile, credit card, personal loan, etc.) experience in a financial institution. College enrollment or related degree is preferred.
Orlando Federal Credit Union was established in 1936, serving the needs of the Central Florida area : Orange, Seminole, Lake, and Osceola Counties. We offer competitive banking solutions to meet the financial needs of our members.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
:Analyzes applicant credit data, financial status, financial statements, and property evaluation to determine the degree of risk involved in extending credit or lending money.
:Evaluates member records and approves payment plans based on earnings, savings data, payment history and overall credit activity.
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Generates financial ratios using computer programs to evaluate member financial status.
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Reviews and updates credit and loan files.
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Contacts loan interviewers to obtain further information, present data or explain policy or procedures.
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Process loan applications that are submitted via direct/indirect lending channels; approve, fund, and establish membership accounts following established policies and procedures.
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Monitors loan queues, analyzes credit worthiness including character, capacity, collateral, capital and economic conditions, and reviews credit bureau reports and credit score.
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Verifies information included on loan application, as necessary.
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Documents loan decision and required provisions necessary to complete the loan
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Collaborate effectively with branch personnel, underwriters and loan officers to ensure that loan applications are fully completed, the necessary supporting documentation is received, and the loan closes as scheduled.
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Analyze loan applicants financial status and credit to determine feasibility of granting loan and provide financial counseling to members.
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Approve consumer loans within authorized limits and communicate decisions to branch personnel and/or member; recommend approval or denial for those in excess of authorized limits; disburse loan checks and related information to members if applicable education and experience. Related work experience may substitute for education. Valid National Mortgage Licensing System (NMLS) Registration.
LANGUAGE SKILLS: Ability to read and interpret documents such as credit bureau reports, debt to income ratio reports, policy and procedure manuals. The ability to read, speak, and write in English proficiently. The ability to speak effectively with borrowers and other employees of the organization, and the ability to communicate on the phone effectively.
MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, decimals, to compute rate, ratio, and percentages. Uses rigorous logic and methods to solve difficult problems with effective and innovative solutions; is resilient and will own the solution and the problem; can see hidden problems; is excellent at honest analysis; looks beyond the obvious and doesnt stop at the first answers.
PERFORMANCE STANDARDS: Assists in attaining the lending goals and objectives of the credit union. Professional approach to assessing the credit needs of members while observing the established lending policies and guidelines. The expectation is also a professional appearance as outlined in the Human Resource Policy manual. Additional expectations include a positive attitude as well as the ability to communicate effectively both verbally and in writing.
TEAMWORK: Relates well to all kinds of people; builds appropriate rapport; works harmoniously with others; uses and understands diplomacy and tact; encourages collaboration; seeks opinions; is candid with peers; values working relationships. Readily

Source: https://www.tiptopjob.com/jobs/76769723_job.asp?source=backpage


• Location: Orlando

• Post ID: 28874192 orlando
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