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Radiant Credit Union · 2 days ago

Consumer Underwriter

Gainesville, FL

Full-time

Onsite

Mid Level

3+ years exp

Radiant Credit Union is seeking a Consumer Underwriter responsible for securing liens and perfecting titles on collateralized property. The role involves reviewing consumer loans, processing insurance, and assisting the Consumer Lending Manager with loan processing and credit reviews.

BankingFinancial ServicesMobile PaymentsRetirement

Growth Opportunities

Responsibilities

Reviews and evaluates information on consumer loans for in-house and indirect applications to determine if borrower and loan conditions meet risk standards of credit union. Uses market underwriting knowledge to evaluate risk for in-house and indirect loans where such standards are required by credit union policy. Approves, rejects or qualifies in-house and indirect loan applications. Establishes terms and conditions of approved loans. Assures that all NCUA, federal and state policies, regulations and laws are adhered to

Ensures titles are perfected and records lien properly on all collateralized property. Processes GAP, warranty, and collateral protection insurance and ensures files are documented correctly

Funds indirect contracts. Reviews and quality controls files for completeness and accuracy as related contract specifics

Performs other duties as assigned

To ensure all liens are recorded in a timely manner to best protect the credit union's interest

To maintain a working knowledge of the credit union's loan standards and governmental regulations

To ensure GAP, warranty, and collateral protection insurance are processed in a timely and accurate manner

To process loan requests, in a profitable manner, within credit union policy and procedures while meeting government compliance

To maintain a professional, courteous, and friendly atmosphere for members and co-workers

Qualification

Loan processingRisk evaluationTitle perfectionGAP insurance processingCollateral protection insuranceInterpersonal skills

Required

Three years to five years of similar or related experience

A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships and soliciting cooperation

Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job

While performing the duties of this job, the employee is regularly required to talk or hear

The employee is frequently required to stand, walk and sit

The employee is occasionally required to use hands and reach with hands and arms

The employee must occasionally lift and/or move up to 30 pounds