JBA International ยท 5 months ago
CONSUMER LOAN UNDERWRITER
Oakland, California, US
Full-time
Onsite
Mid Level
$5,850/mo - $6,750/mo
3+ years expJBA International is a company based in Oakland, California, seeking a Consumer Loan Underwriter. The role involves originating, processing, and underwriting consumer loans while ensuring compliance with regulations and providing excellent customer service.
ConsultingHealth CareLegalProfessional Services
No H1B
U.S. Citizen Only
Responsibilities
Originate, input, process, underwrite (decision credits) docs, fund, book, post docs, loan servicing, reporting (covering the entire spectrum of loan origination and servicing with primary emphasis in consumer loans)
Provide qualified information to existing and new members
Interview applicants and reviews consumer loan application file to verify application data is complete and meets Credit Union standards
Obtains necessary valuations of the collateral (Blue Book, Carfax, etc.)
Pull and review credit reports
Manage a loan pipeline and the loan process to ensure loans fund in a timely manner
Process loans in accordance with Credit Union policy, guidelines and conform to all State and Federal Regulations such as the Equal Opportunity Act, Fair Debt Collection Practices Act., Fair Credit Reporting, Truth in Lending Act, etc
Handle consumer servicing related functions including payoffs and title releases
Perform business development activities to increase production including maintenance of a client database, client and customer calling/monitoring efforts and additional activities as requested by management
Monitor competitor rates, terms, and pricing frequently and make recommendations as needed to maintain competitiveness and profitability
Monitor assigned critical control functions and reports as assigned
Assist other departments as needed
Qualification
Required
3-5 Years credit experience (consumer, mortgage or commercial)
Self-motivated and results oriented with ability to close loans and achieve productivity standards
Excellent interpersonal and strong written and verbal communication skills
Strong analytical and organizational skills
Business math to calculate income, assets, debts (including Loan-to-Values and debt ratios)
Proficiency in Word and Excel; familiarity with a Loan Origination System (Calyx a plus)
Teamwork and customer service oriented
Excellent time management skills and adaptability to a fast-paced environment
Preferred
College background is preferred but not required
Company
JBA International
JBA International provides financial, life science, healthcare, legal, and office administration services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Jacqueline Buickians
Chief Executive Officer
Company data provided by crunchbase