Job Description

Mobility Credit Union is a progressive and diverse credit union focused on offering excellent customer service. We are a dynamic organization and flexible to workl/life needs, creating a supportive work environment that is understanding of personal and family obligations.
Mobility CU is very profitable and has grown over 75% in the past 5 years. We offer a competitive salary, monetary incentives, 6 percent 401K matching, excellent health care options and a $1000 signing bonus.
We are seeking an individual, who is motivated to grow with our organization.
POSITION PURPOSE Responsible for reviewing, and underwriting applications for consumer direct & indirect, home improvement, home equity, credit card and line of credit loans. Ensures internal customers are promptly and professionally served. Assists staff with any loan account problems and answers staff questions regarding Credit Union loan policies, procedures, products and loan decisions. Communicates to frontline staff the need to obtain additional loan information and documentation required to formulate and relay credit decisions. Assist in the processing of new member accounts and loans received via indirect channels. Ensures accuracy of information needed to formulate a decision based on set criteria established within the credit union loan origination system. Analyzes data to formulate decisions outside of the automated processes capabilities. Ensures compliance with Fair Lending laws and federal regulations of consumer loans. Presents loan requests above lending limit for approval as per loan policy. (E) Essential or (N) Nonessential

• (E) 45% Evaluates and analyzes current financial position of members to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, deny, or forward the loan request to higher levels for decision. Requests additional information if required.
• (E) 20% Prepares complete and accurate home equity loan documents. Explains the home equity terms and conditions as well as the options to members. Completes home equity closing process with the member.
• (E) 10% Assists in servicing loans by processing such items as payoffs, refinances, problem loan workout arrangements, payment extensions, collateral releases, and payment due date changes at the direction of the Collections department and Lending Support Manager.
• (E) 10% Ensures compliance with terms and conditions on current loans. Keeps compliant and informed of current trends and laws on lending and consumer credit.
• (E) 10% Reviews terms, conditions and stipulations post funding for loans ensuring the information\'s accuracy and integrity.
• (N) 5% Performs other job related duties as assigned.

PERFORMANCE MEASUREMENTS

• Lending Support Underwriter functions are efficiently, effectively, and accurately performed in accordance with established policies, standards, security procedures, legal, and regulatory requirements.
• Good business relations exist with members. Programs, products and services are properly and thoroughly explained. Staff\'s problems or questions are courteously and promptly resolved.
• Good working relationships and coordination exist with area personnel and with management. Appropriate assistance is provided to area staff as needed. Managers are appropriately informed of area activities.
• Credit applications and related financial data are closely and effectively analyzed and evaluated. Decisions are communicated accurately, completely, and timely.
• Personal delinquency write-off numbers are in line with Credit Union objectives.

EDUCATION/CERTIFICATION:

• Bachelor\'s Degree

REQUIRED KNOWLEDGE:

• Good understanding of financial services and products provided
• Knowledge of Credit Union loan services, policies, and procedures
• Understanding of related legal and regulatory standards, and required loan documentation
• Knowledge of consumer and residential lending practices

EXPERIENCE REQUIRED:

• Two years to five years of similar or related experience

SKILLS/ABILITIES:

• Excellent interviewing, communication, and public relations skills
• Professional appearance and attitude
• Strong analytical and financial skills
• Ability to operate related computer applications, and other business equipment including calculators, typewriter, printer, telephone, and notary stamp

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

• TALKING: One must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
• REPETITIVE MOTIONS: Movements frequently and regularly require using the wrists, hands, and/or fingers.
• FINGER DEXTERITY: Primarily using just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
• AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.
• AVERAGE VISUAL ABILITIES: Average, ordinary visual acuity is necessary to prepare or inspect documents or products, or operate machinery.
• PHYSICAL STRENGTH: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally.

WORKING CONDITIONS

• No hazardous or significantly unpleasant conditions (such as in a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

• REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions.
• MATHEMATICS ABILITY: Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra.
• LANGUAGE ABILITY: Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias. Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar. Ability to communicate distinctly with appropriate pauses and emphasis; correct punctuation (or sign equivalent), and variation in word order; using present, perfect, and future tenses.

INTENT AND FUNCTION OF JOB DESCRIPTION This job description is intended as a summary of the major duties and responsibilities as well as qualifications for this position. The job description is not intended as inclusive of all duties an individual in this position might be asked to perform or of all qualifications that may be required either now or in the future. In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the Credit Union. Job descriptions are not intended as and do not create employment contracts. The Credit Union maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.