Bellco
Overview
Bellco Corporate Offices, 7600 E Orchard Rd, Greenwood Village, Colorado, United States of America Posted Tuesday, April 15, 2025 at 8:00 AM. Application deadline is 5 days after the date the role was posted. Thank you for your interest in Bellco Credit Union. We’re a local not-for-profit organization that has been serving members and communities since 1936. Bellco offers a comprehensive benefits package and opportunities for growth within a values-driven environment. Responsibilities
Review and analyze direct and indirect loan applications to determine compliance with financial and creditworthiness criteria. Assess risk associated with loan approvals, evaluate income, credit history, employment history, debt-to-income ratio, and ensure compliance with state and federal guidelines and regulatory requirements. Provide advanced technical expertise, mentor team members, and participate in training as necessary; support Quality Control activities when appropriate. Manage pipeline within established Service Level Agreement (SLA) standards; may contribute to increased production due to advanced technical expertise. Responsible for underwriting accuracy for home equity lines of credit and for performing required mathematical calculations (income, DTI, LTV/CLTV). Apply lending guidelines fairly and without bias; ensure compliance with regulatory, agency requirements (e.g., RESPA, HMDA, CFPB) and fair lending practices. Make final underwriting decisions within granted lending authority and assist with compliance, auditing, and organization-wide initiatives as needed. Identify training needs, lead on-the-job training, and collaborate with teammates to troubleshoot questions and resolve inquiries while meeting response time and quality goals. Ensure member satisfaction across loan channels; monitor vendor performance and service standards as required. Distribute and reallocate pipelines with management to optimize member experience; manage fluctuating volumes and schedules as needed. Support attendance, flexible hours, and a collaborative team environment; contribute to cross-functional initiatives as requested. Qualifications
Experience:
Minimum 3 years’ experience in underwriting, preferably with Consumer Lending experience; knowledge of general lending guidelines including state, federal, and fair lending. Education:
Bachelor’s degree in related field or equivalent experience preferred. Skills: Ability to maintain confidentiality and adapt to guideline changes quickly. Strong understanding of credit reporting and credit analysis; ability to analyze income documentation including personal and business tax returns and complete cash flow analysis. Ability to apply lending guidelines and use lending matrices; proficiency with Core system data review and home equity processing. Proficient with Microsoft Office (Word, Excel, Outlook); strong analytical, decision-making, and attention to detail. Excellent written and verbal communication; strong time-management and prioritization in a fast-paced environment. Flexible hours and ability to work across different loan channels; collaborative team player. Working Conditions
Hybrid working environment may be considered. Benefits
Bellco Credit Union provides a comprehensive benefits package to employees, including: medical, dental, vision, 401(k) with company match, supplemental life insurance, paid vacation, paid sick days, and paid holidays. In addition to base compensation, Bellco Credit Union offers bonuses for the following roles: non-exempt branch roles may earn monthly bonuses for meeting production goals and quarterly bonuses for team goals; exempt branch roles may earn quarterly bonuses for production and team goals; exempt non-branch management roles may be eligible for an annual managerial bonus; non-branch non-management roles may be eligible for on-the-spot bonuses for extraordinary performance. Location
Bellco Corporate Offices, 7600 E Orchard Rd, Greenwood Village, Colorado, United States of America
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Bellco Corporate Offices, 7600 E Orchard Rd, Greenwood Village, Colorado, United States of America Posted Tuesday, April 15, 2025 at 8:00 AM. Application deadline is 5 days after the date the role was posted. Thank you for your interest in Bellco Credit Union. We’re a local not-for-profit organization that has been serving members and communities since 1936. Bellco offers a comprehensive benefits package and opportunities for growth within a values-driven environment. Responsibilities
Review and analyze direct and indirect loan applications to determine compliance with financial and creditworthiness criteria. Assess risk associated with loan approvals, evaluate income, credit history, employment history, debt-to-income ratio, and ensure compliance with state and federal guidelines and regulatory requirements. Provide advanced technical expertise, mentor team members, and participate in training as necessary; support Quality Control activities when appropriate. Manage pipeline within established Service Level Agreement (SLA) standards; may contribute to increased production due to advanced technical expertise. Responsible for underwriting accuracy for home equity lines of credit and for performing required mathematical calculations (income, DTI, LTV/CLTV). Apply lending guidelines fairly and without bias; ensure compliance with regulatory, agency requirements (e.g., RESPA, HMDA, CFPB) and fair lending practices. Make final underwriting decisions within granted lending authority and assist with compliance, auditing, and organization-wide initiatives as needed. Identify training needs, lead on-the-job training, and collaborate with teammates to troubleshoot questions and resolve inquiries while meeting response time and quality goals. Ensure member satisfaction across loan channels; monitor vendor performance and service standards as required. Distribute and reallocate pipelines with management to optimize member experience; manage fluctuating volumes and schedules as needed. Support attendance, flexible hours, and a collaborative team environment; contribute to cross-functional initiatives as requested. Qualifications
Experience:
Minimum 3 years’ experience in underwriting, preferably with Consumer Lending experience; knowledge of general lending guidelines including state, federal, and fair lending. Education:
Bachelor’s degree in related field or equivalent experience preferred. Skills: Ability to maintain confidentiality and adapt to guideline changes quickly. Strong understanding of credit reporting and credit analysis; ability to analyze income documentation including personal and business tax returns and complete cash flow analysis. Ability to apply lending guidelines and use lending matrices; proficiency with Core system data review and home equity processing. Proficient with Microsoft Office (Word, Excel, Outlook); strong analytical, decision-making, and attention to detail. Excellent written and verbal communication; strong time-management and prioritization in a fast-paced environment. Flexible hours and ability to work across different loan channels; collaborative team player. Working Conditions
Hybrid working environment may be considered. Benefits
Bellco Credit Union provides a comprehensive benefits package to employees, including: medical, dental, vision, 401(k) with company match, supplemental life insurance, paid vacation, paid sick days, and paid holidays. In addition to base compensation, Bellco Credit Union offers bonuses for the following roles: non-exempt branch roles may earn monthly bonuses for meeting production goals and quarterly bonuses for team goals; exempt branch roles may earn quarterly bonuses for production and team goals; exempt non-branch management roles may be eligible for an annual managerial bonus; non-branch non-management roles may be eligible for on-the-spot bonuses for extraordinary performance. Location
Bellco Corporate Offices, 7600 E Orchard Rd, Greenwood Village, Colorado, United States of America
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