Position Summary:
This position is primarily responsible for providing leadership, management, and accountability for the Community 3rd Party Originations (C3PO) group in addition to underwriting responsibilities.
Essential Duties and Responsibilities:
- Underwriting:
- Monitor incoming applications for the department and present reports as needed to the leadership team.
- Review applications, clear conditions and make solid credit decisions on loans.
- Business Development:
- Work with the team to onboard and train new clients to maintain and strengthen those relationships.
- Processes/Procedures/Guidelines:
- Review current processes and procedures and make recommendations on ways to improve efficiency and productivity.
- Compliance:
- Assist and take lead as needed in response to audit monitoring and exams.
- Ensure department complies with company policy and regulations, especially as related to HMDA.
- Training:
- Responsible for the development of new and existing team members.
Qualifications:
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, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience:
- High School Diploma or GED required; an Associate Degree is preferred but not required.
- Solid knowledge and experience in credit risk analysis and underwriting principles, methods, and practices, especially as related to Specialty Lending or Manufactured Housing.
- Previous credit underwriting or credit analysis experience preferred.
- Proficiency using Microsoft Office applications including Word and Excel.
- Sales experience preferred or working knowledge of relationship building.
Skills and Abilities:
- Strong written and oral communication skills.
- Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information.
- Respectful demeanor toward other associates and managers that promotes a positive and professional work environment.
- Understand and comply with bank policy, laws, regulations as applicable to your job duties. This includes but is not limited to completing compliance training and adhering to internal procedures and controls; reporting any known violations of compliance policy, laws, or regulations and reporting any suspicious customer and/or account activity.
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