Credit Union of Atlanta
Job Summary
The Consumer Loan Underwriter is responsible for creating an exceptional lending experience by providing appropriate decisions on all consumer loan requests, including auto loans, motorcycle loans, recreational vehicle loans, boat loans, HELOCs and unsecured loans, in a timely and accurate manner. They work with members and staff from all channels, including branch and third-party vendors and agencies, to review submitted applications and maintain funded loans for suitability to the Credit Union of Atlanta’s lending policies and goals. They also adhere to established loan policies, laws, and regulations while demonstrating unwavering commitment to the Credit Union of Atlanta’s mission, vision, and values.
Primary Responsibilities
Process and underwrite consumer loans, including personal, auto, home, and credit card, in accordance with Credit Union policy.
Examine documents to ensure accuracy and compliance with existing underwriting guidelines and stipulations.
Analyze applicant credit data, financial status, financial statements, and property evaluation to determine the degree of risk involved in extending credit or lending money.
Approve consumer loans within authorized limits and communicate decisions to branch personnel and/or members; recommend approval or denial for those exceeding authorized limits.
Manage auto decisioning queues and processes.
Prepare, process, and investigate applications and UCCs for title and lien perfection.
Prepare and process deed cancellations, subordinations, and vehicle lien releases.
Prepare and process loan payoffs and letters of guarantee for members, insurance companies, and service providers.
Evaluate member records and approve payment plans based on earnings, savings data, payment history and overall credit activity.
Review and audit consumer and participation loans for quality control and certification (accurate interest rate, required signatures, proper documentation, HYLS, underwriting guidelines, etc.).
Ensure loan decisions are timely, complete and in accordance with policy and regulatory requirements.
Prepare loan documents for committee meetings, audits, examinations, or when otherwise requested.
Recommend policy and procedure changes to Retail Credit Administrator.
Attain proficiency in pipeline management with an emphasis on organizational and multi‑tasking skills.
Serve as a resource on consumer products/services of the Credit Union; respond to internal and external loan‑related member questions & research; may provide guidance on consumer lending practices, loan policies and procedures.
Open and manage support cases for core processing system.
Assist with the development, implementation, and management of loan products and services.
Interpret a variety of instructions furnished in written form, including Loan Policy and Procedural Manuals, Regulation Z, Fair Credit Reporting Act, Equal Credit Opportunity Act, Fair Lending Laws, and UCC.
Work cooperatively with all areas of lending—including origination, consumer lending, business services, and special accounts—to ensure an efficient, effective, team‑based function.
Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
Respond to all internal and external voicemails and emails in a timely manner, not to exceed end‑of‑day timeframe.
Notate all contacts and attempts to contact on members’ accounts.
Perform account research for resolution of member questions and/or concerns.
Represent the credit union to members in a courteous and professional manner, and provide prompt, efficient and accurate service in the processing of transactions.
Establish/maintain interdepartmental relationships to ensure proper account maintenance/resolution.
Assist Financial Service Officers when needed.
Assist in all other areas as needed.
Requirements Minimum Education and Experience:
Associate's degree (A.A.) or equivalent from a two‑year college or technical school; Bachelor’s preferred. A combination of education and related work experience may substitute for education.
Five years of loan origination and/or underwriting experience.
One year of mortgage origination, underwriting, or processing experience.
Experience in Title and Lien Perfection (Vintek, DDS, Department of Revenue).
Experience in commercial lending (some experience preferred).
Knowledge and Skills
Good interpersonal skills.
Computer skills (MS Word, Excel, Text Files, Adobe).
LOS Management (Symitar/Episys preferred).
Organization and problem‑solving skills.
Time‑management skills, and the ability to meet deadlines.
Ability to work independently without direct supervision.
Self‑directed with excellent judgment.
Strong written and verbal skills.
Physical and Other Job Requirements
Flexible hours and some Saturdays.
Light lifting.
Driver’s license required.
NMLS and Credit Life Insurance eligibility.
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
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Primary Responsibilities
Process and underwrite consumer loans, including personal, auto, home, and credit card, in accordance with Credit Union policy.
Examine documents to ensure accuracy and compliance with existing underwriting guidelines and stipulations.
Analyze applicant credit data, financial status, financial statements, and property evaluation to determine the degree of risk involved in extending credit or lending money.
Approve consumer loans within authorized limits and communicate decisions to branch personnel and/or members; recommend approval or denial for those exceeding authorized limits.
Manage auto decisioning queues and processes.
Prepare, process, and investigate applications and UCCs for title and lien perfection.
Prepare and process deed cancellations, subordinations, and vehicle lien releases.
Prepare and process loan payoffs and letters of guarantee for members, insurance companies, and service providers.
Evaluate member records and approve payment plans based on earnings, savings data, payment history and overall credit activity.
Review and audit consumer and participation loans for quality control and certification (accurate interest rate, required signatures, proper documentation, HYLS, underwriting guidelines, etc.).
Ensure loan decisions are timely, complete and in accordance with policy and regulatory requirements.
Prepare loan documents for committee meetings, audits, examinations, or when otherwise requested.
Recommend policy and procedure changes to Retail Credit Administrator.
Attain proficiency in pipeline management with an emphasis on organizational and multi‑tasking skills.
Serve as a resource on consumer products/services of the Credit Union; respond to internal and external loan‑related member questions & research; may provide guidance on consumer lending practices, loan policies and procedures.
Open and manage support cases for core processing system.
Assist with the development, implementation, and management of loan products and services.
Interpret a variety of instructions furnished in written form, including Loan Policy and Procedural Manuals, Regulation Z, Fair Credit Reporting Act, Equal Credit Opportunity Act, Fair Lending Laws, and UCC.
Work cooperatively with all areas of lending—including origination, consumer lending, business services, and special accounts—to ensure an efficient, effective, team‑based function.
Respond to members’ requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
Respond to all internal and external voicemails and emails in a timely manner, not to exceed end‑of‑day timeframe.
Notate all contacts and attempts to contact on members’ accounts.
Perform account research for resolution of member questions and/or concerns.
Represent the credit union to members in a courteous and professional manner, and provide prompt, efficient and accurate service in the processing of transactions.
Establish/maintain interdepartmental relationships to ensure proper account maintenance/resolution.
Assist Financial Service Officers when needed.
Assist in all other areas as needed.
Requirements Minimum Education and Experience:
Associate's degree (A.A.) or equivalent from a two‑year college or technical school; Bachelor’s preferred. A combination of education and related work experience may substitute for education.
Five years of loan origination and/or underwriting experience.
One year of mortgage origination, underwriting, or processing experience.
Experience in Title and Lien Perfection (Vintek, DDS, Department of Revenue).
Experience in commercial lending (some experience preferred).
Knowledge and Skills
Good interpersonal skills.
Computer skills (MS Word, Excel, Text Files, Adobe).
LOS Management (Symitar/Episys preferred).
Organization and problem‑solving skills.
Time‑management skills, and the ability to meet deadlines.
Ability to work independently without direct supervision.
Self‑directed with excellent judgment.
Strong written and verbal skills.
Physical and Other Job Requirements
Flexible hours and some Saturdays.
Light lifting.
Driver’s license required.
NMLS and Credit Life Insurance eligibility.
Seniority Level Mid‑Senior level
Employment Type Full‑time
Job Function Finance and Sales
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