Underwriter

Job Description:

Beginning Pay Range: $23.79 – $29.74 per hour and eligible for a 25% shift differential for hours worked on Sunday.

OCCU is looking for experienced Underwriters. The Underwriter is responsible for assisting members with their lending needs, analyze loan requests and make credit decisions based on lending policy. The department hours are Monday – Sunday between the hours of 8:30 a.m. – 7:30 p.m; one Saturday or Sunday shift is required each week.

Location: Eugene, OR

Job Responsibilities:

The essential functions of this position require prioritizing and completing all assigned tasks in a timely and efficient manner, adjusting for changing priorities and availability of resources and demonstrating initiative in identifying additional job-related tasks to be completed when time permits. These duties are a representative example of position expectations. Actual duties assigned may vary and change depending on the business needs of the department and OCCU. 

• Underwrite consumer and real estate loans in accordance with the standards and guidelines of OCCU as well as regulatory standards.

• Analyze and evaluate all aspects of borrower’s credit, related risks and offsets, employment/income and asset profiles to arrive at a loan decision. Establish the terms and conditions of an approved loan and review them with the representative. Make decision to approve, disapprove or forward the loan request to higher levels for decision.
• Participate in sales development by providing additional qualified opportunities and encouraging representatives to cross sell them. Assist in Enrichment Advisor and Senior Enrichment Advisor training and roll out of new products through branch visits, job shadowing and meetings.  
• Interview representatives to gather information concerning member loan needs, earnings and financial condition.

• Follow current loan policies and procedures to ensure compliance. Understand and implement the Equal Credit Opportunity Act, the Federal Truth-in-Lending Act and other federal and state lending laws applying to state-chartered credit unions. 
• Must follow all BSA regulations, including completing CTR reports when applicable, reporting suspicious activity via SAR when applicable and completing annual training.
• Serve as primary contact point for 3^rd party vendors.

Experience, Knowledge, Skills and Abilities:

Qualified candidates for this position will have relevant education and experience necessary to perform the essential functions and meet the minimum performance expectations for this position with or without an accommodation.

Preferred qualifications for the position include:

Two to five years of similar or related experience. 

Education:

Equivalent to a two-year college degree or completion of a specialized course of study at a business or trade school.

An equivalent combination of experience and education that demonstrates the knowledge, skills and abilities required for the position will be considered in lieu of the outlined requirements.

Physical Demands and Work Requirements:

The physical demands and work environment characteristics 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.

Physical Demands: While performing the duties of this job, the employee is frequently required to:

• Work for extended periods of time in a stationary position (possibly up to 60 minutes or more without an opportunity to substantially change position) while consistently grasping, moving and manipulating documents, office supplies, computer equipment and other business tools and materials.
• Use and operate a personal computer, office equipment and other technology devices frequently and consistently throughout each day with a high degree of skill, accuracy and independent judgment.
• Move to, from and within our building and across company-related property site locations as needed, possibly for extended periods of time.
• Correspond, communicate and exchange information with other employees, members and other third parties with whom we work in-person, via telephone, virtually or by other electronic means using available technology during meetings, presentations and other situations in which business information may be shared, discussed or exchanged.
• Maintain professional and respectful communication style and steady work focus to ensure reactions and responses to varied situations, stress, ambiguity, frustration, disappointment and disagreements. Set an example to others of appropriate workplace communications while contributing to a strong, harmonious team dynamic.
• Lift, transport and/or move up to approximately 25 lbs. occasionally in the performance of regular duties.
• Remain alert and able to observe surrounding areas and conditions at all times to identify, recognize and respond to potential obstacles, safety concerns, hazards, threats, property conditions requiring attention, unauthorized and/or dangerous persons and emergencies.

Work Environment: Office-related work is primarily conducted in a temperature-controlled office environment. Our office spaces include traditional office lighting (including fluorescent lighting), as well as shared office spaces and facilities that result in consistent and frequent noise (moderate and often louder than ambient noise), conversations among employees and/or members, interruptions and other similar distractions. 

Work Hours: This job can typically be done within a Monday through Saturday schedule; however, based on events going on there will be times when evening and weekend work is required with little or no notice.

OCCU is an Equal Opportunity Employer