The Carter Lumber Underwriting Specialist is responsible for qualifying credit worthiness up to assigned limits not to exceed $150k per credit policy, communicating risk, gathering accurate project information, and maintaining an accurate customer Masterfile.
- Timely and prudently establish customer credit accounts under Credit Policy with the goal of promoting (collectible) sales.
- Conduct credit investigations on existing and potential customers, evaluate credit risk, and approve or decline credit accounts up to assigned limits in accordance with company policies and excellent judgment.
- Work closely with customers, field personnel & sales leaders to ensure applications are completed in an acceptable manner with all required data and signatures.
- Pull & qualify personal credit bureaus (Experian & Transunion).
- Pull & qualify business credit reports (D&B, NACM, Experian Business).
- Research bank and trade references.
- Complete risk analysis summary, assign risk rating and credit limits.
- Complete new customer set up process for assigned markets: summarizing data, customer set up, maintaining credit files, and welcome/decline letters.
- Maintain accurate, complete, and timely customer masterfiles in Filebound & Credit Server.
- Manage assigned market Customer masterfile, inputs, changes, and maintain job account files ensuring data integrity.
- Conduct research and process Job account requests.
- Internet research to county recorder’s & assessor’s offices.
- Research for building permits and project filings.
- Contact banks to verify available funds and status of construction loans.
- Add job accounts to existing credit accounts.
- Process credit limit increase requests on account and/or job accounts; establish and maintain systematic credit limits for all customers extended credit.
- Answer personal phone extensions as well as customer service call lines.
- Respond to Credit Reference inquiries.
- Perform other duties as assigned.
- Pay: $17-$24/hr
- This is an in-office role.
EXPERIENCE/EDUCATION:
- AA degree in Business, Accounting or related field or 1-2 years accounts receivable and underwriting experience in the construction/building material industry highly preferred.
- Ability to read and summarize consumer credit and Dun & Bradstreet reports.
- Experience granting credit to $150k.
- Previous collection experience highly valuable.
- Working knowledge of construction mechanics lien/bond laws and regulations.
- Understanding of construction contracts and standard project money flow.
SKILLS:
- Demonstrated proficiency working with Microsoft Word, Excel, and Outlook.
- Exercise good independent judgment & discretion, can make decisions and articulate reasoning.
- Takes ownership and accountability for results.
- Prioritizes and adheres to established deadlines.
- Quickly identifies and resolves issues, knows when to “raise the flag” to escalate issues.
- Excellent verbal and written communication skills.
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