Consumer Loan Underwriting Specialist 3.0 3.0 out of 5 stars Meridian, ID 83642 • Hybrid work How to apply: Complete an Online Application at our website www.capedcu.com for the specific job opportunity that interests you. Resumes are not accepted in lieu of an application. This position will be partially remote, with the expectation of being in the office in person on a rotating basis.

Role:

The Consumer Loan Underwriting Specialist provides financial services of superior quality and convenience through examining, evaluating, and approving or declining member applications for Consumer Direct and Indirect loans by following established credit union loan guidelines and policy. This position collaborates with internal team members regarding the Consumer Lending process.

Pay:

The pay for this position is $23.83 an hour.

Essential Functions & Responsibilities:

Analyzes current financial position of applicants to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, decline, or forward the loan request to higher levels for decision. Establishes the terms and conditions of an approved loan and reviews them with the appropriate individual (internal team member, dealer, or other indirect channel representative). Reviews delinquency reports, dealer reports and rate sheets. Maintains knowledge of all Credit Union products, services, and promotions. Contributes to efficient Credit Union operations by performing other job related duties as assigned.

Knowledge and Skills:

Experience:

One year to three years of similar or related experience.

Education:

A high school education or GED.

Critical Job Competencies:

EPIC -

Overall Core Values:

Employees are empowered by being held accountable in their responsibilities and exhibit EPIC in Empowering Members by educating in financial solutions; Professionalism in all aspects of Member service both externally and internally; Innovation in delivering member products and services and in job performance by looking for efficiencies to better serve our members both externally and internally; and, Collaboration in listening and learning about the Members needs and collaborating to fill those financial needs as well as collaborating with internal members to best serve our Members.

Building Partnerships:

Identifying opportunities and taking action to build strategic relationships between ones area and other areas, teams, departments, units, organizations or external business partners to help achieve business goals.

Building Trust:

Interacting with others in a way that gives them confidence in ones intentions and those of the organization.

Member Focus:

Making members and their needs a primary focus of ones actions; developing and sustaining productive member relationships.

Decision Making:

Identifying and understanding issues, problems, and opportunities; comparing data from different sources to draw conclusions; using effective approaches for choosing a course of action or developing appropriate solutions; taking action that is consistent with available facts, constraints, and probable consequences.

Risk Taking:

Initiating action that tries to achieve a recognized benefit or advantage when potential negative consequences are understood.

Very Important Job Competencies:

Communication:

Clearly conveying information and ideas through a variety of media to individuals or groups in a manner that engages the audience and helps them understand and retain the message.

Initiating Action:

Taking prompt action to accomplish objectives; taking action to achieve goals beyond what is required; being proactive.

Stress Tolerance:

Maintaining stable performance under pressure or opposition (such as time pressure or job ambiguity); handling stress in a manner that is acceptable to others and to the organization.

Technical/Professional Knowledge and Skills:

Having achieved a satisfactory level of technical and professional skill or knowledge in position-related areas; keeping up with current developments and trends in areas of expertise.

Work Standards:

Setting high standards of performance for self and others; assuming responsibility and accountability for successfully completing assignments or tasks; self imposing standards of excellence rather than having standards imposed.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly.

This is considered sedentary work:

exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Unions business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.

Disclaimer:

NOTICE:

This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by Capital Educators Federal Credit Union. Please know that Capital Educators Federal Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship. We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas.