Senior Loan Risk Underwriter, Careers At Ashland Credit Union

Careers At Ashland Credit Union

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Senior Loan Risk Underwriter

Department:	Loan Risk
Location:	Ashland, KY

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At Ashland Credit Union (ACU), we look for people who are ready to Own Their Journey! Whether you are just beginning your career or looking to achieve more along your professional journey, ACU is a great place to get you on the path that best serves you and our members. If you have a passion to serve, a desire to work in a fast-paced environment and are willing to bring enthusiasm to work with you each day, then you may just find that ACU is the right fit for you.

Do you have a desire to reach higher and empower those around you? Then your journey brought you to the right place and we would like to meet you.

Life is a journey�Own it!

About Us:

Ashland Credit Union is a non-profit and member-owned credit union that has been providing exceptional service to members for over 80 years. Continued growth and adaptability are what has allowed ACU to always be a trustworthy answer for staff and members along whatever journey in life they are on. At Ashland Credit Union, we embolden our members to achieve their financial goals. Along life's journey, it is our mission that staff, members, and the community we serve can count on ACU for guidance as they strive to achieve more in life.

Position Summary:

ACU has an exciting opportunity for a Senior Loan Risk Underwriter to join our Loan Risk Department in Ashland, KY. This position is responsible for analysis, ongoing evaluation, and innovation within established underwriting guidelines to ensure ACU�s risk tolerance remains balanced amid a growing loan portfolio.

Job Responsibilities:

Exercise lending authority within policy guidelines. After judging risks and mitigants, analyzing credit, reviewing collateral strength and financial worthiness of loan/transaction parties.Serve as a subject matter expert for all ACU loan offerings.
Review consumer and real estate lending applications and supporting documents for accuracy, completeness, and compliance with Ashland Credit Union lending policies and procedures.
Analyze financial documentation such as tax returns, W2s, 1099s, paycheck advice and other forms of source documentation that provide evidence of member income. Review credit reports, applicable ratios utilized to determine a member's ability to repay, and other supporting documentation needed to make an appropriate credit decision.
Review additional documentation such as titles, appraisals, valuation tools, and property reports that verify collateral ownership and collateral value for the purposes of obtaining credit.
Process real estate lien release requests and release documentation in accordance with applicable laws and internal procedures.
Quality check real estate loan documents prior to approving them for funding and check for critical compliance consideration. Track loans post funding for final title receipt and filing.
Ensure loan requests are decisioned within the specified time frames under applicable laws and lending regulations. Responsible for the accuracy and efficacy of adverse action, counter offers, and withdrawn loan processes.
Conform to all Fair Lending and anti-discrimination laws set forth by the NCUA and other applicable regulatory bodies.

Education & Experience Requirements:

Experience in lending and credit analysis

Experience in the financial services industry

Understanding of federal laws and regulations as they apply to consumer loans, mortgage loans, visa credit cards, and business/commercial loans

Required Skills & Abilities:

Ability to collaborate with others and work to create balanced processes that satisfy the interests of both parties.

Strong analytical skills

Ability to work Monday thru Thursday 8am to 5pm EST, Friday 8am to 6pm and Saturday 9am to 1pm EST

Ashland Credit Union is committed to building a team that represents a variety of backgrounds, perspectives, and skills. We are committed to diversity and inclusion in the workplace and do not discriminate on the basis of race, sex, age, handicap, religion, natural origin or any other basis of protected class or where prohibited by law.

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