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Consumer Credit Underwriter

Company: Tri Counties Bank
Location: Roseville
Posted on: November 12, 2019

Job Description:

Come join a fantastic team with a bank that continues to grow into California's premier community bank. If you are a skilled underwriter looking for the right opportunity at the right time, this could be it...check us out and apply.
Position Title: Consumer Credit UnderwriterDepartment: Consumer Credit Center
Position Summary: The Consumer Credit Underwriter underwrites and processes consumer loan requests based on credit, financial, and collateral information. The underwriter ensures proper compliance regulations are followed and met for each individual file and approves loans within the consumer underwriting guidelines and their appropriate credit limit authority. Works directly with Consumer Lending Specialist Group as well as coaches branch managers and bankers to maximize current loan requests, as well as provides exceptional customer service.
Major Responsibilities:

  • Understands and applies all consumer underwriting guidelines and compliance regulations.
  • Reviews consumer loan applications for proper compliance documentation (joint intent to apply, HELOC Disclosure Acknowledgment, HMDA) prior to underwriting an application.
  • Underwrites applications within consumer underwriting guidelines and requests and reviews any additional information needed to complete loan process. Approves or declines consumer loan requests within credit limit authority.
  • Requests required income documentation and analyzes complex financial documentation according to consumer procedures set forth to determine ability to repay.
  • Prepares and mails all risk based pricing disclosures as well as HUD Disclosures as needed.
  • Clearly understand current consumer flood zone guidelines and regulations and ensures applications follow the guidelines set forth.
  • Reviews and Analyzes incoming collateral reports (i.e. title reports, appraisal reports), ensures ECOA compliance regulations are met for all applications in 1st deed of trust position.
  • Maintains an accurate daily production report and comprehends consumer internal audit reports. Meets consumer production, quality and service standards.
  • Provides assistance and exceptional sales support to consumer lending specialist and branch personal answering questions relating to consumer loans and process.
  • Assures loan request is processed accurately and within time frame set forth my compliance regulations. Coordinates appraisers, title companies and flood certifications for equity based products.
  • Maintains a current understanding of underwriting guidelines, procedures, policies and compliance issues.
  • Process title and appraisal invoices to ensure timely processing.
    Education, Experience, And Other Skills Required:
    • High school diploma or GED required.
    • Established analytical ability to underwrite all types of consumer based loan products.
    • Excellent verbal and written communication skills.
    • Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.
    • Ability to underwrite federal and state tax returns and financial statements in order to make sound credit decisions.
    • Ability to utilize personal computers and Windows driven programs.
    • Ability to complete a high volume of work with accuracy.
      The above is not a full job description, one is available if requested.
      --- Company ProfileEstablished in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ:TCBK) headquartered in Chico, California, providing a unique brand of customer Service with Solutions available in traditional stand-alone and in-store bank branches in communities throughout Northern and Central California.The Bank provides an extensive and competitive breadth of consumer, small business and commercial banking financial services, along with convenient around-the-clock ATM, online and mobile banking access.Tri Counties Bank has remained strong and profitable through a top-down commitment to its core values, sound business principles and responsible lending practices.Our success is also based on our involvement in the communities we serve. The personal touch comes naturally to Tri Counties Bankers. You may recognize us at business, school and non-profit events, baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams or attending an event in The City or on the peninsula.
      Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Keywords: Tri Counties Bank, Sacramento , Consumer Credit Underwriter, Accounting, Auditing , Roseville, California

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