Company: Tucson Old Pueblo Credit Union
Posted on: May 16, 2022
TOPCU is offering a $1,000.00 sign-on bonus for this position.
Current and Returning employees are not eligible for this
Remote options are within AZ only. Those applying outside of AZ
will not be considered.
TOPCU, a progressive and innovative Tucson Credit Union, where the
work is rewarding, and your contribution is recognized, is seeking
an experienced Senior Underwriter to join our team. The pay for
this position will be $22.50 - $29.00 per hour dependent upon
You will have the opportunity to be a part of a small team of
professionals that make a big impact.
Using knowledge of loan risk eligibility per TOPCU policies, the
Senior Consumer Underwriter examines, evaluates, and authorizes
approval or denial of borrower's applications for credit.
Independently decision consumer loan applications ensuring
decisions are within authorized lending limits and within the
Credit Union's lending policies.
Make loan policy exceptions in the best interest of the member and
TOPCU. Make recommendations for loan applications outside of
lending authority to a higher level of lending authority.
Review and evaluate financial statements, personal and business tax
returns, property valuations, credit reports, applicable ratios
(i.e., debt to income, loan-to-value, etc.) and other supporting
Review member records and overall credit union relationship.
Ensure loan decisions meet service level agreements; are timely,
complete and in accordance with policy and requirements set out in
Responsible for advanced pipeline management with an emphasis on
organization and multi-tasking including queue monitoring both
within the department and interdepartmentally.
Contact TOPCU staff or loan applicant to obtain further
information, present data and/or explain policy or procedures.
Develop and/or maintain relationships with TOPCU employees and auto
dealers including regular dealer visits.
Communicate with TOPCU staff and dealer personnel to gather the
required information for a credit application, explain loan
options, rates, terms, and collateral requirements.
Be proactive in searching for loan steal opportunities and other
cross sell opportunities, such as debt protection, GAP or other
credit union products and services, when reviewing loan
applications for approval.
Effectively document loan decisions, including any specific product
requirements and notations for policy exceptions.
Provide timely, accurate and complete reports as requested by
supervisor and ensure steps are taken to correct unsatisfactory
Stay abreast of loan product parameters and any changes in
Process loan applications submitted via indirect lending channels
to prepare for funding.
Assist less experienced colleagues with communicating decisions or
requesting more information from applicants and TOPCU staff,
developing sound credit decisions based on policy and procedure,
and offering financial solutions to the membership.
Assist with work direction and/or training to junior level team
members and provide performance feedback to
Prepare detailed reports regarding quality performance and trends.
Perform other duties as assigned
Full Telecommute Eligible (100%)Knowledge of:
Our mission and values, and communicate it to all members
All applicable state and federal regulations
TOPCU's products, services, policies and procedures
Microsoft (Word, Excel, Power Point), Windows and all
programs/software applicable to department
Manage and complete multiple tasks accurately and by deadline
Make product/service recommendations that meet member's financial
Follow TOPCU policies and procedures
Understand relevant federal and state regulations and apply to job
Work in a fast-paced, highly motivated atmosphere
Learn and utilize computer based operational systems applicable to
Understand ethical concerns and make decisions that maintain
TOPCU's integrity in line with the code of conduct
Minimum Education, Experience and Training
High School Diploma or GED
Two years of experience in consumer lending underwriting with a
strong knowledge of indirect lending required
Two or more years of underwriting experience strongly preferred
Keywords: Tucson Old Pueblo Credit Union, Tucson , Senior Underwriter, Other , Tucson, Arizona
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