Consumer Loan Underwriter (hybrid)

Georgia United Credit Union regularly evaluates market data to establish salary ranges that enable us to offer the best, competitive compensation package for our positions. Individual compensation packages are based on various factors unique to each candidate, including skill set, experience, qualifications, internal alignment and other job-related factors. Starting salary $26.25 per hour depending on experience and qualification. Serves internal and external members and the consumer lending team to ensure loans are reviewed accurately and timely while always providing the best possible experience. Makes recommendations to system upgrades, policies, standards, or procedures to improve the processes, ensure the safest and soundest decisioning practices, and provide world class experiences. Reviews and renders decisions on consumer applications in a timely manner. Analyzes credit report data along with any other metrics deemed important when making a consumer loan decision. Demonstrates sound judgment ensuring proper credit decisions to protect the Credit Union and contribute to loan growth. Identifies fraudulent applications. Provides detailed feedback for conditional and denial situations. Complies with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets control. Maintains and updates knowledge of underwriting requirements and policies and new loan types. Provides friendly, professional and accurate financial services support to members and to the consumer lending team. Projects and maintains the Credit Union’s professional image and reputation. Completes special projects as assigned. Attends and participates in meetings as required. Keeps management informed of area activities and of any significant problems. Promotes and establishes strong, positive and productive working relationships within the organization through commitment to the company’s vision statement, core values and business principles. Statement of Understanding This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities. The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes. Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks. Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law. Equal Employment Opportunity (EEO) Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union. E-Verify Georgia United participates in the U.S. Department of Homeland Security’s E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.