Gesa Credit Union · 18 hours ago
Sr. Underwriter
Richland, WA
Full-time
Onsite
Senior Level
$29.90/hr - $49.83/hr
5+ years expGesa Credit Union is dedicated to empowering communities through its team of passionate individuals. The Sr. Underwriter is responsible for making high-quality decisions on consumer loan requests, ensuring adherence to underwriting standards, and fostering relationships with branch partners and dealerships.
CreditFinancial ServicesLending
Responsibilities
Apply critical thinking skills and solid lending principles according to the needs of each applicant and their risk profile; construct and approve loan offers in accordance with delegated approval authority and loan policy independently
Evaluate and mitigate risk while maintaining profitability associated with extending credit requests
Apply underwriting guidelines in making and defending loan decisions independently
Identify and recommend additional lending opportunities to increase relationships with members
Provide accurate pricing and terms to dealerships in a courteous/professional manner
Ensure compliance with legal requirements, lending regulations and internal policies and procedures
Maintain positive relationships with colleagues and business partners
Maintain the highest level of confidentiality relative to information received directly or indirectly
Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act
Generate new and innovative ways to streamline processes
Serve on project teams for expertise as a Subject Matter Expert (SME)
Responsible for department training needs
Display mutual respect, trust, and dignity, acting in the best interest of the credit union. Lead by example by always displaying solid ethics and integrity
Ensure that all issues are managed in a fair, legal, and consistent manner
Qualification
Required
High School Degree (or equivalent) required
Five (5) to eight (8) years of experience in an underwriting environment where loans are built and approved
Valid driver's license required
Excellent oral and written communication skills
Proficient mathematical skills with a high degree of accuracy
Proficiency with MS office Suites (Word, Excel, Outlook)
Ability to work outside of business hours, including weekends (Sundays included) and holidays
Ability to develop and/or improve processes, implement, and administer policies and procedures, and organize and present information
Excellent interpersonal skills and ability to build and maintain positive working relationships with co-workers and business partners
Ability to analyze and underwrite a high volume of applications to make sound lending decisions with granted authority and identify potential risks and solutions
Demonstrate ability in conducting credit analysis including credit reporting, credit investigation, and cash flow analysis
Demonstrate ability to make decisions in a timely manner and articulate the reasoning for decisions
Demonstrate ability to prioritize and manage multiple demands effectively
Demonstrate ability to work effectively both collaboratively and independently
Ability to independently analyze, research and resolve medium to high complexity problems
Preferred
College degree preferred
Advanced knowledge of FICO preferred
Working knowledge of CUDL, Dealer Track and Route One programs preferred
Benefits
Medical, Dental, Vision, and Life Insurance
20 days/year of Paid Time Off - Plus 10 Paid Holidays!
401(k) Match
Incentive Program
Tuition Assistance and Student Loan Repayment
Commuter Benefits
Paid Time Off to Volunteer in the Community
Product discounts
Engaging Work Environment
Rewards and Recognition Programs
Company
Gesa Credit Union
Gesa Credit Union offers home loans, deposit services, lending services, online services and other financial services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Eddie Santoyo
L&D Partner I, Sales and Service
Guadalupe Anaya
Sr Learning & Development Partner
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