2) Is fully familiar with and able to clearly communicate with internal and external members about: Underwriting philosophies, lending decisions (approved, denied or conditioned), approval stipulations, loan products and services, credit bureau reports and scores, credit histories, Guaranteed Asset Protection (GAP), Credit Life and Disability insurance, loan and deposit rates, lending policies and procedures and our automated underwriting process. a) Member Focus (internal and external): Builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving member problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal members.