Consumer Loan Underwriter / Buyer

Description: At Premier America Credit Union, our Core Purpose is to serve our members by making it easier to meet today’s needs and reach tomorrow’s dreams. Talented team members succeed in our organization by demonstrating a commitment to our shared values of accountability, friendliness and respect, a passion for delivering great service, giving back to our communities, and pursuing personal growth. Come grow with us and be part of growth and the Premier America family! Overview: We are seeking a dynamic Consumer Loan Underwriter / Buyer, who is experienced in handling underwriting processes for all consumer loan products. The right candidate will have a sense of urgency, the ability to improve operational efficiency through thoughtful process improvement, and a strong commitment to delivering best in class service. Additionally, the ideal candidate will have current experience in underwriting all credit tiers, including deeper tiers. We look forward to this new team member bringing expertise and knowledge to share with the rest of the team. About You: • Customer Service: You are a resource in identifying and resolving member servicing issues while enhancing member experience by providing distinctive quality service. • Teamwork: You have been recognized for your excellent interpersonal skills and your ability to effectively communicate, build rapport and relate to others. • Communication: Your effective communication style will be used to transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors. What You Will Do: • The core responsibility is the effective and efficient underwriting of all consumer loans received through various channels. • Must assist in updating loan training material, ensuring adequate loan resources are readily available to branch staff relating to loan products. • Expected to continuously seek out new business relationships with dealer principles and decision makers, while establishing and maintaining the same relationships with our members, branch and telephone service center Team Members. • Assist in maintaining workflow processes, address inquiries received through various channels and cross-sell loan products and services. • Perform required credit analysis on all consumer loans that are submitted for review. • Make credit decisions within established lending authority, while making recommendations for higher level approvals, and notify appropriate parties of the decision. • Respond to all inquiries and messages within a 24-hour timeframe. • Ensure functions are efficiently, effectively, and accurately performed in accordance with established loan policies, standards, guidelines, and security procedures. • Support Team Members and dealer partners with loan product questions. • Will establish and maintain effective and professional business relations with internal and external stakeholders. • Responsible for analyzing and preparing data to measure and report performance. Requirements: What We Are Looking For: • High school education or equivalent • Three to five years of progressive experience in consumer loan underwriting or related experience • Understanding of related legal and regulatory requirements • Strong organizational and time management skills • Ability to prioritize effectively, working in a fast-paced environment • Strong oral and written communication skills • Bi-Lingual (Spanish speaking) preferred • PC skills, including Microsoft Office Suite – Word, Excel, PowerPoint Key words: banking, credit union, consumer loans, buyer, dealership Premier America Credit Union will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the Los Angeles Fair Chance Initiative for Hiring (Ban the Box) Ordinance. Equal Opportunity Employer – Veterans / Disabled Drug-free Workplace Pay Grade Info: To provide greater transparency to candidates, we share base pay ranges for all our job postings regardless of State. We set standard pay ranges for all roles based on function and level of expertise, benchmarked against similar stage growth companies. Final offer amounts are determined by multiple factors including, skills, depth of work experience and relevant licenses/credentials, and may vary from the amounts listed below. The base pay range for this position is: $30-$37 / per hour.

Perks

Important to You:

Our Team

Members enjoy the following rewards and benefits: • Competitive pay • Subsidized health care including medical, dental and vision • FSA and HSA • Company-Paid Life and A&D insurance • Discounts on loans (must be a member) • Paid Vacation, Holiday, and Sick time • 401k Retirement Saving Plan with a 6% safe harbor employer match • Educational Assistance Program and more! About Us: Founded in 1957, Premier America is one of the nation’s largest credit unions, with over 100,000 members and more than $3 billion in assets. But more importantly, we are ever mindful of one crucial fact: we exist to serve the needs of all members - the owners of Premier America. With a large retail branch network, access to over 30,000+ surcharge-free ATMs; and the Shared Branch Network, Premier America provides financial services to those who live, work, worship or attend school in the Ventura and Los Angeles counties of California, and Harris County in Texas. Credit unions, such as Premier America, have a rich history evolving from the idea that people working together can create better financial solutions, especially when as owners, members have a vested interest in their collective success. Whether offering higher savings rates and affordable mortgage options, loans for unexpected emergencies or financial counseling during difficult times, credit unions have always made a meaningful difference in the lives of members. Apply Job!