Sr. Indirect Consumer Underwriter

Essential Duties and Responsibilities: (List in order of importance the essential functions of the job and the approximate percentage of time spent on each of the activities; describe what must be accomplished, not how it must be done; include supervision or management responsibilities, quality and quantity standards, physical, mental, and perceptual functions of the job) Evaluates, underwrites, and analyzes credit applications received through the Indirect and Direct Digital Channel. Makes independent decisions on credit, income, assets and risk for indirect consumer and direct consumer credit applications. Evaluates indirect and consumer loan applications and exercises lending authority, uses sound judgment in loan decisions that mitigate risk, adhere to credit policy and credit union standards. Decision's complex underwriting credit applications requiring senior knowledge and unique problem-solving abilities, to include increased lending limits and guideline exception authority. Communicates the decision (approvals/denials/stipulations) of credit to the appropriate parties to include processing teams. Identifies and make recommendations for process improvement and procedural improvement in relation to Indirect and Direct Digital underwriting. Builds and maintains strong working relationships with internal departments to ensure collaboration and consistency. Identifies cross-sell opportunities for loan products when reviewing funded indirect loan packets. Works closely with the Processing Teams to ensure loan packets are processed and funded in accordance with desired quality and service level expectations to dealers and members. Supports the overall success of lending departments at the credit union as a subject matter expert in consumer loan underwriting. Supporting special projects, cross functional learning, interim assignments, training and mentoring new hires.