Veteran Jobs

Riverview Bank

Consumer/HELOC Loan UnderWriter I or II (Finance)

SUMMARY

Responsible for the underwriting of consumer and Home Equity Line credit requests for incoming applications and rendering credit decisions consistent with internal policies, investor and regulatory requirements.

The salary for this role will be between $55,000-$85,000. The specific salary offered will depend on several factors including but not limited to applicant's skills and prior relevant experience. Hired candidate may be eligible for healthcare benefits, 401K plan, short term & long-term disability coverage, life insurance, vacation & sick time, educational assistance, and several holidays. Certain roles are eligible for additional rewards.

ESSENTIAL DUTIES:

Project friendliness and professionalism in both appearance and attitude when dealing with customers in order to present a positive Riverview image.
Evaluate risk and set terms for approval, modification, subordination or declination of loan requests moderate in nature.

Assure compliance with regulations and Riverview credit policy for documentation of Consumer loans and Home Equity Lines of Credit including non-originated loans and lines.

Full understanding of software applications to include but not limited to:

Systems as listed below but not limited to

Encompass
Abrigo
LaserPro

Other in-house software applications
Internet based applications

Provide customer service both internally and externally using problem-solving skills to satisfy customer needs and ensure accurate resolution to customer requests.
Prepare Home Equity Line of Credit and Consumer loan documents.
Serve as backup Funding Specialist for Consumer loans and Home Equity Lines of Credit complex in nature.

Additional Duties and Responsibilities:

Perform appraisal reviews as needed.
Participates in and completes training objectives with passing scores.
Other duties as assigned.
Follow all Riverview's policies and procedures.

RELATIONSHIPS:

Daily contact with the Supervisor and/or Loan Operations Manager to receive direction and interpretation of existing and new procedures.
Daily contact with customers and branches to provide information and assistance regarding the processing and underwriting of loan applications.
Frequent contact with representatives of businesses who provide necessary confirmation, documentation, etc., of various types of loan related information (i.e., appraisers, title and credit companies, real estate agencies, construction companies and various government agencies).
Frequent contact and support of the Underwriting personnel.
Occasional contact with members of professions with whom Riverview consults from time to time, i.e., attorneys, accountants and other financial intermediaries.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Local knowledge of market preferred. Actual Mortgage Underwriting experience including FHLMC (“Freddie Mac”) underwriting knowledge is preferred.

EDUCATION and/or EXPERIENCE:

Associate's degree (A. A.) or equivalent from two-year college or technical school; or seven or more years related experience and/or training; or equivalent combination of education and experience.

SKILLS:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to write reports, business correspondence, and procedure manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public in a professional manner.
Ability to work with mathematical concepts such as probability and statistical inference.
Ability to apply concepts such as: fractions, percentages, ratios, and proportions to practical situations.
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
The basic skills associated with the general use of computers and other business office equipment.

Ability to offer flexibility in a changing work environment is imperative.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to effectively communicate via phone/video, messaging, and email. The employee is required to use computer and office equipment such as a computer, printer, copier, as well as computer software such as Microsoft Office. You may also frequently be required to occupy a workstation for long periods of time.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

Riverview Bank does not accept unsolicited resumes from any third party staffing agencies and/or search firms for any job postings.

Third parties are not authorized to submit profiles, applications, or resumes to this site or to any Riverview Bank employee. Any such submissions, Riverview Bank will not be responsible for any fees related to unsolicited resume submissions without written consent from the Talent Acquisition Team. Including, but not limited to the candidate hired for a position.

Riverview Bank is an equal opportunity employer and affirmative action employer committed to a diverse and inclusive workforce. Applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy), age, sexual orientation, national origin, marital status, parental status, ancestry, disability, gender identity, veteran status, genetic information, other distinguishing characteristics of diversity and inclusion, or any other protected status.

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) Mortgage & Consumer Lending

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SUMMARY

Responsible for the underwriting of consumer and Home Equity Line credit requests for incoming applications and rendering credit decisions consistent with internal policies, investor and regulatory requirements.

ESSENTIAL DUTIES:

Project friendliness and professionalism in both appearance and attitude when dealing with customers in order to present a positive Riverview image.

Evaluate risk and set terms for approval, modification, subordination or declination of loan requests moderate in nature.

Assure compliance with regulations and Riverview credit policy for documentation of Consumer loans and Home Equity Lines of Credit including non-originated loans and lines.

Full understanding of software applications to include but not limited to:

Systems as listed below but not limited to

Encompass

Abrigo

LaserPro

Other in-house software applications

Internet based applications

Provide customer service both internally and externally using problem-solving skills to satisfy customer needs and ensure accurate resolution to customer requests.

Prepare Home Equity Line of Credit and Consumer loan documents.

Serve as backup Funding Specialist for Consumer loans and Home Equity Lines of Credit complex in nature.

Additional Duties and Responsibilities:

Perform appraisal reviews as needed.

Participates in and completes training objectives with passing scores.

Other duties as assigned.

Follow all Riverview's policies and procedures.

RELATIONSHIPS:

Daily contact with the Supervisor and/or Loan Operations Manager to receive direction and interpretation of existing and new procedures.

Daily contact with customers and branches to provide information and assistance regarding the processing and underwriting of loan applications.

Frequent contact with representatives of businesses who provide necessary confirmation, documentation, etc., of various types of loan related information (i.e., appraisers, title and credit companies, real estate agencies, construction companies and various government agencies).

Frequent contact and support of the Underwriting personnel.

Occasional contact with members of professions with whom Riverview consults from time to time, i.e., attorneys, accountants and other financial intermediaries.

QUALIFICATIONS:

EDUCATION and/or EXPERIENCE:

Associate's degree (A. A.) or equivalent from two-year college or technical school; or seven or more years related experience and/or training; or equivalent combination of education and experience.

SKILLS:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

Ability to write reports, business correspondence, and procedure manuals.

Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public in a professional manner.

Ability to work with mathematical concepts such as probability and statistical inference.

Ability to apply concepts such as: fractions, percentages, ratios, and proportions to practical situations.

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.

Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

The basic skills associated with the general use of computers and other business office equipment.

Ability to offer flexibility in a changing work environment is imperative.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

Riverview Bank does not accept unsolicited resumes from any third party staffing agencies and/or search firms for any job postings.