Credit Underwriter - MH SA - Credit Human

We are seeking a Credit Underwriter for the Central Region Loan Origination Department.

The Credit Underwriter is accountable to analyze and evaluate the quality of manufactured home loan applicants on the basis of credit, capacity, character, and collateral, and to use discretion within established parameters to either: grant approval, identify alternative solution to loan structure for conditional approval, or to issue declination. The role is accountable for the quality of loan production and portfolio of loans made within his/her assigned authority.

This role is accountable to communicate the credit decision to sources and respond to inquiries in a manner that; effectively informs the source of the decision, reasons for the decision, any options for re-structure, educates and reinforces to the source our desired quality of applicant and desired loan structure, and delivers service excellence to solidify Credit Human as the lender of choice for applicants meeting our criteria and reinforces service as the associated value proposition of choosing Credit Human for manufactured housing loans.

If you have real estate underwriting experience, you should apply right away!

Highlights:

• Decision credit applications within established guidelines and credit authority, evaluating such factors as debt-to-income ratios, credit reporting, employment, income, collateral, payment-to-income, term, etc. to determine capability and capacity of applicant(s)
• Communicate loan decision to source
• Forward recommended loan approvals that exceed established credit authority to manager (or designee of manager) for concurrence
• Maintain professional and mutually beneficial relationships with all served by the Central region
• Provide responsible and effective communication to retail sources as needed to ensure clarity on our program details and our expectations of our retail and broker sources
• Maintain expenses at or under the budget

Experience:

    Required

• 2 + years indirect lending experience as loan officer or underwriter in real estate, manufactured housing, automobile and/or consumer finance industry.

    Preferred

• 2 + years of sales experience and/or training in consumer finance product sales preferred
• 4 + years indirect lending experience as loan officer or underwriter in real estate, manufactured housing, automobile and/or consumer finance industry.

Education:

    Required

• Bachelor’s degree in a business related field or equivalent work experience

Licenses & Certifications:

    Required

• Requires eligibility to be registered as a Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS) and Registry

    Preferred

• NMLS Registered

Skills & Knowledge:

    Required

• Knowledgeable in real estate underwriting principles

Schedule: Monday-Friday, 8:30 am-5:30 pm

Salary Range:  $63,167 to $68,507 Annually

Flexibility:  In office; on site, not remote or hybrid

Level of Work: 2B

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page atwww.credithuman.com/careers.

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) Underwriting