Assist with the development and implementation of QC testing strategy, such as focus areas, testing methodology, test standards, and frequency of testing (e.g., random and targeted testing on an as-needed basis)
The Consumer Lending Underwriter I is a seasoned and experienced underwriter. This position has developed and maintains an extensive understanding of complex underwriting, data and trends; provides technical guidance, analyzes data and is required to make loan structure recommendations.
Review complex credit applications on various types of loans; analyze applicants financial status, credit and property evaluation, corporate tax returns, personal tax returns, personal financial statements, credit reports, business reports and legal documents.
Responsible for compliance of all Federal and State rules and regulations pertaining but not limited to Bank Secrecy Act, Anti-Money Laundering, Bank Bribery Act, NCUA Privacy Regulations, Reg Z, Reg B, Service Members Civil Relief and FCRA/ FACTA.
Develop and maintain Commercial and SBA lending policies and processes to effectively execute and manage the bank's Commercial and SBA lending programs while staying compliant with applicable policies and regulations.