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GREATER IOWA CREDIT UNION Consumer Underwriter in Ames, Iowa

iWe are currently seeking a full-time Consumer Underwriter to build and enhance relationships and maintain good rapport with existing and new auto dealers. Analyzes loan applicant's credit worthiness and makes the determination to approve or deny a loan. Responsible for assisting with the day to day operations of the indirect lending department and the creation and carrying out of a business plan to increase penetration in the indirect auto market.Location:i1509 Baltimore Drive, Ames, IA 50010Hours:iMonday - Friday 8am to 5pm and rotating Saturday's 8am to 5pmEssential Functions and Responsibilities:Provides quality underwriting through timely and thorough evaluation of consumer loanapplications. The primary focus will be on indirect loan applications. Approves or rejects loanswithin limit of authority. Communicates directly with automotive dealer employees on loandecisions and program guidelines.Builds and maintains strong business relationships with new and existing dealers. Facilitates astreamlined process between dealer and credit union. Answers questions, resolves issues in atimely manner, and ensures quality member service.Perform credit analysis and underwrite credit cards.Ensures all relationships and contracts with dealers and all indirect loans are in compliance withstate and federal regulations.Maintains knowledge of departmental operations, industry trends, competitor rates and terms,and changing regulations that impact customer credit or the indirect lending program.Participates in the loan review process and identifies follow-up, and the development andrecommendation of indirect automobile lending policies, practices and promotions to beoperationally efficient.Other duties as assigned.Knowledge and Skills:Experience: One year to three years of similar or related consumer loan/underwriting experience.Education: (1) A two-year college degree, or (2) completion of a specialized certification or licensing,or (3) completion of specialized training courses conducted by vendors, or (4) job-specificskills acquired through an apprenticeship program.Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.Other Skills: 1. Ability to exhibit a sales and service skill set.2. Interpersonal relationship building skills.3. Exhibit strong loan underwriting decision making skills.4. Proven track record of low delinquency and charge off ratios.5. Working knowledge of state and federal regulations affecting consumer lending activity.6. Proficient with Microsoft Office software package. Keyboarding skills.7. Experience with loan processing software and data processing systems.7. Ability to use standard office equipment.8. Ability to lift, move, or transfer items, materials, or product up to 20 lbs.Physical Requirements:While performing duties of this job, the employee is regularly required to sit. The employeeis frequently required to stand, walk, bend, reach, kneel, push and pull. The employee mustoccasionally lift and/or move up to 10 pounds. Specific vision abilities required by this jobinclude close vision, and ability to adjust focus. Reasonable accommodations may be madeto enable individuals with disabilities to perform the essential functions.Work Environment: Work is performed in a standard office environment with a quiet to moderate noise level.The work environment characteristics described here are representative of those anemployee encounters while performing the essential functions of this job. Reasonableaccommodations may be made to enable individuals with disabilities to perform theessential functions.iFor more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through