Commercial Underwriting Processor

Home Bancshares, Inc. Conway , AR 72034

Posted 3 weeks ago

GENERAL DESCRIPTION OF POSITION

The Commercial Underwriting Processor will review and obtain required and supporting information for a centralized underwriting function for credit requests to be secured by 1-4 family investment purpose real estate. This position will follow loan policy and procedural guidelines related to the loan type and support customer service by processing all credit requests in a timely manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1.Answer incoming questions regarding credit requests in general or specific to a borrower's loan in process. This duty is performed daily, about 5% of the time.

2.Process credit requests received from lending staff, which may include, but is not limited to, obtaining various types of verifications, pulling credit reports, ordering appraisals, ordering title work, pulling flood certificates, preparing credit files for the underwriters, and clearing underwriting conditions. This duty is performed daily, about 35% of the time.

3.Communicate with lending staff, customers, real estate agents, appraisers, and title companies as needed to obtain information necessary for underwriting process. This duty is performed daily, about 25% of the time.

4.Maintain an accurate accounting of exceptions, such as underwriting guidelines, pricing, fees and loan policy. Compile month end reports. This duty is performed weekly, about 15% of the time.

5.Perform research on bank systems such as Bankway and OnBase. This duty is performed weekly, about 5% of the time.

6.Communicate deficiencies to the loan officer. This duty is performed daily, about 5% of the time.

7.Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly, about 5% of the time.

8.The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.

9.Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 0 to 6 months related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key, Alphanumeric Data Entry, Word Processing/Typing

Basic: Accounting, Presentation/PowerPoint, Spreadsheet

WORKING CONDITIONS

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities 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 and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is continuously required to sit; regularly required to use hands to finger, handle, or feel; frequently required to talk or hear; and occasionally required to walk, reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

Proficient telephone and customer service skills

Ability to multi-task

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Commercial Underwriting Processor

Home Bancshares, Inc.