Assists in reviewing, analyzing, underwriting within system, evaluating and providing recommendations for approving or denying consumer, credit card, mortgage residential and construction loan applications according to the company's guidelines, business and credit standards as well as applicable laws and regulations.
Review documents and forms within system.
Assists Underwriting to review and analyze income, assets, credit documentation, credit reports, salary and employment history, debt ratios and loan to value information to determine a borrower's credit-worthiness.
May also evaluate the value of the subject property.
May recommend terms of loan for underwriter review.
Gathers information as necessary to make sound decisions.
Responds to affiliate banks, loan center and branch personnel on lending decisions and issues.
May recommend exceptions based on findings.
Recommends applications for risk review by elevating concerns to an underwriter and by following policies and procedures.
Keep abreast of federal and state laws and regulations relating to consumer lending.
Other duties as assigned.