Objective:
• Underwrite mortgage and consumer loan requests across all business lines
• Contribute to the continued growth of our Community Development Financial Institution by providing thoughtful risk assessment of each loan file
• Perform diverse duties as needed in a collaborative environment and as part of a small teamCore Competencies:
• Effective Communication and Active Listening
• Ability to collaborate with colleagues and external business partners
• Cultural Competency and Diversity Awareness
• Financial and Risk Assessment Proficiency
• Technological Proficiency
• Knowledge of regulatory compliance and lending best practices
• Knowledge of CDFI operations
• Ability to work in a paperless environment
• Ability to work independently and efficientlyPrimary Responsibilities:
• Review and verify borrower income, assets, credit, employment history, property appraisals, title commitment as applicable for each loan product offered
• Review loan applications and supporting documentation for completeness; identify any missing documents
• Escalate applications that require second level approval, to include write-up and recommendation to Loan Committee for exception requests
• Demonstrate a strong understanding of detailed loan policies and lending compliance
• Follow consistence processes, utilizing job aids, checklists, policy and procedure documents
• Maintain an organized and professional work environment
• Stay current on industry trends, secondary market guidelines, portfolio lending, and consumer lending best practices • Provide back-up coverage to other team members, primarily processing and closing
• Collaborate with lending team colleagues to develop and refine lending procedures and implement changes in loan system The primary and secondary responsibilities outlined in this job description represent the general nature and level of work performed. They are not intended to be an exhaustive list of all duties, responsibilities, and qualifications required of employees assigned to this role. Team members may be asked to perform additional tasks as needed to meet the evolving needs of the organization. Experience and Education:
• Bachelor’s degree/3+ years of current experience in mortgage and/or consumer lending
• Proficient in Microsoft Office Suite and Adobe
• Proficient BytePro or comparable LOS
Knowledge of Community Development Financial Institutions
• Knowledge of SalesForce Other Expectations:
• Primarily in-office with possibility for hybrid work option
• Ongoing continuing education to stay current with best practices in CDFI and lending • Requires repetitive movement, bending or twisting, reaching, sitting, standing, climbing,
and walking; sitting for extended periods of time using keyboard and computer; safely
moving or lifting objects up to 40 pounds. Use hands to handle, control, or feel objects,
tools or controls
• Protect company value by maintaining strict confidentiality |
