Sr. Consumer Loan Underwriter Gulfport or NOLA 5258

JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program 

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS  

Position:            Sr Consumer Loan Underwriter

Department:      Consumer Lending

Reports To:        Consumer Central Underwriting Manager

FLSA:                 Non-Exempt                                    Grade: 12

SUMMARY

evaluates and decisions consumer loan applications in accordance with credit union policies, regulatory requirements, and sound risk management practices. This role serves as a subject matter expert for the underwriting team, providing guidance, training, and support while balancing portfolio growth with prudent lending decisions. The position collaborates with branch and lending staff, handles escalated member issues, contributes to process improvements, and ensures timely, accurate, and member-focused service.

SUPERVISORY RESPONSIBILITIES

Performs supervisory duties in accordance with the credit union's policies and procedures and all applicable federal, state, and local laws. Responsibilities include participating in the recruitment, interview, selection, and onboarding of employees; providing training and development; planning, assigning, and overseeing work; evaluating performance; coaching and counseling employees; administering recognition and corrective actions as appropriate; responding to employee concerns and supporting issue resolution; and supporting employment actions such as promotion, transfer, demotion, or separation in accordance with established policies and legal requirements.

ESSENTIAL FUNCTIONS

• Assists in the development and performs necessary testing of new projects and/or process improvements for the Consumer Lending Dept., as needed.
• Serves as a Subject Matter Expert to the underwriting teams.
• Maximizes revenue by balancing market penetration with sound risk management principles
• Analyzes and ensures consumer loan applications are in compliance with Keesler Federal policies and guidelines utilizing credit bureau reports and other sources to support sound decision-making process.
• Actively participates in risk/opportunity meetings; evaluates risk issues.
• Stays abreast of constant changes in policies, guidelines, and procedures.
• Responsible for working the consumer lending queues for consumer loan applications.
• Offers guidance and assistance with loan building, credit interpretation, credit union policies and procedures to other staff members as needed.
• Responsible for contributing to department goals and standards as assigned by Lending Management.
• Decisions or conditions loan requests within the loan authority, working with underwriters of higher authority to expedite decisions.
• Responsible for evaluating and reviewing reports
• Handles escalated member complaints in a courteous, professional manner
• Serves as point of contact in the absence of management.
• Builds and strengthens rapport with Branch personnel by effectively and promptly communicating credit decisions and providing prompt dealer service.
• Serves as a liaison between Central Lending and the Retail Branch staff.
• Monitors the queue for loan applications.
• Reviews and interprets credit reports and loan applications to make sound loan decisions within scope of authority and acceptable time parameters.
• Evaluates past and present credit information and other related factors in order to make a quality loan decision.
• Identifies and understands debt restructuring and alternatives to lending with regard to the security and best interests of the credit union as well as the member.
• Recognizes opportunities and suggests the cross selling of credit union products and services to members.
• Offers guidance and assistance with loan building, credit interpretation, credit union policies and procedures to other staff members as needed.
• Reviews loan documentation, verification of income, collateral appraisals and other documents as needed for loan underwriting, verifies approval loan notes prior to signing.
• Conducts training for the Underwriting team
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).

Other Duties and Responsibilities:

• Other duties as assigned.
• Non-traditional work hours required. This can include but not limited to evenings, weekends, and/or holidays.

KNOWLEDGE AND SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Associate’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position required.

Experience and Other Requirements:

• 5 - 7 years of similar or related consumer lending experience required.

• 5 - 7 years of previous auto finance retail underwriting (prime, sub-prime and / or non-prime) experience required.
• Supervisory experience preferred
• Advanced knowledge of consumer credit and trend analysis/analytics
• Advanced knowledge of origination programs/tools such as Meridian Link, JD Power, etc.
• Must demonstrate the ability to understand and implement changing loan policies and procedures.

Computer Skills:

• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).

Certificates, Licenses, and Registrations:

None

Interpersonal Skills:

Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners. Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns. Maintains a courteous, cooperative, and service-oriented approach in a variety of work situations, including those involving differing perspectives or needs. Builds positive working relationships and contributes to a collaborative, inclusive, and member-focused environment.

PHYSICAL DEMANDS

The physical demands described below are representative of those that may be associated with performing the essential functions of this position. The essential functions of this role can be performed with or without reasonable accommodation, in accordance with the Americans with Disabilities Act (ADA) and applicable federal, state, and local laws.

While performing the duties of this job, the employee may be required to remain in a stationary position for extended periods, move within the work environment, and operate a computer and other standard office equipment. Job duties may also involve the use of hands and arms to operate tools, devices, or controls, and to exchange information using various communication methods. Occasional postural activities such as bending, kneeling, crouching, or stooping may be required. The position may occasionally require lifting or moving items weighing up to 15 pounds.

WORK ENVIRONMENT

The work environment is primarily a professional office or branch setting, with a focus on member service and collaboration. The role may require working in shared workspaces and interacting with members, coworkers, and vendors through various communication methods. Work may involve extended periods of sitting or standing, repetitive motions such as computer or device use, and occasional movement throughout the facility.

The essential functions of the position can be performed with or without reasonable accommodation, in accordance with applicable federal, state, and local laws, including the Americans with Disabilities Act (ADA).

DECLARATION

The Human Resources department retains the sole right and discretion to make changes to this job description.