Fifth Third Bank · 1 day ago
RCC Equity Underwriter I
Cincinnati, OH
Full-time
Remote
Entry Level
$47K/yr - $87K/yr
3+ years exp
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Responsibilities
Analyze consumer credit reports for Consumer Lending real estate applications to evaluate risk and make appropriate credit decision for Direct Lending across multiple states, markets or geographic regions.
Maintain an in depth knowledge of the continual enhancements and changes to the Fifth Third Consumer Lending policy and procedures in order to ensure consistent treatment of all real estate applications.
Manage application pipeline to meet business objectives and stated Service Level Agreements.
Responsible for ensuring completeness and accuracy of real estate credit application.
Responsible for ensuring HMDA purpose codes are accurate before rendering a final decision.
Evaluate customer provided credit documents to support credit decision, including calculation of income, personal financial statement reviews, trust reviews, etc.
Place orders for bank obtained credit documents in accordance with real estate policy guidelines, and partners with retail and borrower to clear condition with regards to Property Reports, Appraisals, and Flood Certifications.
Formulate and communicates credit decision (approve, decline or counteroffer) in compliance with established underwriting guidelines, compliance and regulatory requirements.
Demonstrate a solid understanding of the credit exception process, specifically identifying opportunities with applications and understanding the relevant compensating factors needed to present to the exception team.
Review credit applications and recommends decisions on applications over their assigned authority to their manager or senior level underwriters review before communicating final decisions.
Partner with the Mortgage Line of Business to underwrite simultaneous first and second lien real estate loan requests, as appropriate.
Develop business relationships and build rapport with internal customers across multiple states to achieve mutual goals.
Host side by side visits for bank employees to both gain an understanding of our processes and to help build interest in our department and identify possible candidates for filling future needs.
Demonstrate the ability to be a team player by providing superior customer service, being flexible and approachable.
Qualification
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Required
Must live within 30 miles to Cincinnati.
College degree in Business or Finance or equivalent work experience.
Minimum 3 years Consumer Lending or related industry experience.
Knowledge and understanding of basic financial analysis techniques.
Strong interpersonal, written and verbal communication skills.
Ability to make high quality decisions and execute in a time sensitive manner.
Ability to handle multiple tasks and meet deadlines in fast paced environment.
Ability to interact with Vice President level managers; build consensus; and motivate others.
Strong analytical and organizational skills.
This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). Fifth Third will assist with the registration process and completion.
Company
Fifth Third Bank
Fifth Third Bancorp is a diversified financial services company, that specializes in small business, retail banking, investments. It is a sub-organization of Fifth Third Bank.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1978-01-13IPO
Leadership Team
Gregory Carmichael
Chairman & CEO
B
Bryan Preston
Chief Financial Officer
Recent News
2024-12-18
2024-11-25
Company data provided by crunchbase
