SouthEast Bank · 9 hours ago
ELFI Credit Underwriter
Knoxville, TN
Full-time
Onsite
Entry Level
1+ years expSouthEast Bank is seeking an ELFI Credit Underwriter to review credit data for consumer loan requests. The role involves analyzing financial information and managing daily underwriting cases while ensuring compliance with credit policies and procedures.
BankingFinancial Services
Responsibilities
Assist senior team members with credit underwriting and credit administration tasks
Perform credit/fintech research and present findings to management
Source and analyze credit performance, credit attributes, and risk concentrations to identify threats and opportunities
Manage daily underwriting cases as requested by front-line sales staff
Ensure proper follow-up for verification of employment and degree verifications
Review applications pursuant to credit policies and procedures- including analyzing credit reports, analyzing income from various sources including self-employment and verifying documents provided by applicants
Verify identity, income, and other required documentation
Analyze credit data to determine the degree of risk involved in extending credit or lending money
Analyze customer financial documentation
Prepare analytical reports that include the degree of risk involved in extending credit or lending money. Prepare and present applications that may be eligible for credit exceptions to management
Generate financial ratios, using computer programs, to evaluate customer status
Consult with customers, accountants, and other professionals to verify financial and credit information
Actively participate and communicate in team-based work groups
Qualification
Required
BA/BS Degree in Accounting, Finance, Economics, or related field or Associates degree in a business/accounting concentration with 1-2 years experience in loan processing, underwriting, or bank lending
Maintain up-to-date knowledge of and adhere to all state and federal regulations that pertain to this position including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending
Working knowledge of state and federal regulations including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending along with industry best practices that pertain to this position
Self-motivated and able to work independently applying analytical skills required to manage reviewing tasks
Ability to provide clear and concise feedback
Excellent verbal, written and reading comprehension
Ability to meet deliverables under tight deadlines
High attention to detail
Preferred
Experience with Salesforce and loan origination platforms preferred
Company
SouthEast Bank
SouthEast Bank is a locally owned bank operational in Tennessee.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Barbara Thomas
Chief Operating Officer
Jimmy Dalton
Chief Credit Officer
Recent News
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