Welcome page Returning Candidate? Log back in! Direct Consumer Underwriter I Location US-MS-Pearl Posted Date 2 weeks ago(10/25/2024 10:12 AM) Job ID 2024-17734 Category Underwriting Type Regular Full-Time Job Grade 10 FLSA Status Exempt Working Hours 8am - 5pm Job Location: Company Consumer Loan Center - 10121 Overview

The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.

 

Responsibilities Approve, decline, or conditionally approve consumer loan applications and provide supporting documentationPerform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factorsPrepare loan recommendations for the HMDA Retail Second Review CommitteeEnsure compliance with all Bank regulatory requirementsInteract with Loan Officers to gather the information necessary to analyze each loan applicationPerform additional duties as assigned. Qualifications Four-year college education OR High School Diploma with two years of direct consumer underwriting experienceBasic knowledge of consumer credit analysis with work experience in consumer lendingBasic knowledge of bank lending policies and related regulatory requirementsBasic knowledge of credit scoring principles and principles of financeGeneral knowledge of loan documentation and lien perfection requirementsCommunication skillsBasic Computer skillsInterpersonal skillsWorking knowledge of Action Underwriting System preferred Basic knowledge of Trustmark Consumer Credit products preferredWorking knowledge of Microsoft Office applications preferrred

 

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