Consumer Lending Underwriter II Position Available In Charleston, South Carolina

South Carolina Federal Cred it Union is currently seeking a Consumer L ending Underwriter II to join our team of outstanding Loan Center professionals in North Charleston, SC. Duties include but are not limited to: Utilizing full loan approval authority, exercise sound judgment and discretion to approve, counter-offer, or deny loan applications originated through Retail Sales, dealer network, SC Financial Solutions (CUSO), and online under authority delegated. Ensure appropriate loan structure for setting terms & conditions and loan rates to limit potential loss and maintain a sound SC Federal’s loan portfolio. Review and verify loan applications and supporting documentation to ensure they are accurate and complete; identify signs of fraudulent activity. Process and decision loan applications quickly, efficiently, and accurately while providing superior service. Communicate properly with Retail Sales staff and dealer network to ensure a positive and clear understanding of loan decisions, to include discussing appropriate counter offer opportunities. Actively develop and maintain strong relationships with Retail Sales staff and dealer network. Provide training and support for the lending process through New Employee Orientation, department routing, onsite visits, and daily interactions. Assist and support the Indirect Lending Team to ensure a positive dealer experience with respect to loan decisions, reviews, and funding related questions. Provide support, guidance and mentorship to junior underwriters and other team members as needed. Through observation and feedback, propose process enhancement recommendations to the Consumer Lending Manager. Handle all responsibilities in a timely and accurate manner while adhering to our service and quality standards.

Minimum qualifications include:

Possess a high school diploma or equivalent (GED). Possess minimum of 3 years of underwriting experience with full loan approval authority. (Internal) Possess a minimum of one year as a Consumer Lending Underwriter I at SC Federal that has successfully and consistently demonstrated full loan approval authority. Possess in-depth knowledge of lending compliance and regulations. Possess in-depth knowledge of loan products, policies, procedures, and risk-based pricing. Ability to interpret and apply regulations, policies, procedures, guidelines and practices. Ability to analyze and interpret financial data. Ability to analyze situations and make solid decisions with exceptional judgment. Ability to communicate professionally and effectively both verbally and in writing. Ability to build relationships at all levels of the organization. Ability to effectively utilize lending systems. Ability to effectively utilize Microsoft Office applications. Ability to perform a wide range of mathematical calculations. Possess demonstrated interpersonal skills and the ability to work cooperatively with others. Possess demonstrated time management skills. Possess demonstrated organizational skills.

NOTE:

Relevant military experience is considered for veterans and transitioning service me mbers . South Carolina Federal Credit Union is an Equal Employment Opportunity Employer #TeamBlue23