Junior Underwriter

 

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Credit9 is growing and has an opening for a career minded individual to join the underwriting team. This is an excellent opportunity for individuals with previous junior underwriting, credit analysis, or loan processing experience looking to grow their career in loan underwriting. The junior underwriter position works closely with the processing teams to evaluate loan applications and issue credit decisions.

Responsibilities:

• Become a subject matter expert in unsecured lending programs, rates, and guidelines
• Provide underwriting support to loan processors to ensure applications are submitted correctly and in accordance with all lending requirements
• Assist in answering loan applicant questions to resolve challenges preventing a loan decision
• Thoroughly review and analyze applications to determine if applicants are credit worthy
• Apply program guidelines in the loan application review process to issue a credit decision
• Request additional documentation when needed to support a loan decision
• Review numerous types of income documentation including but not limited to pay stubs, W-2’s, and tax returns to accurately calculate loan applicants’ qualifying income
• Escalate loan decision recommendations when further evaluation is required
• Review credit liabilities to determine monthly liability so an accurate debt-to-income ratio can be calculated
• Ability to handle escalation calls and emails

Requirements:

• 2+ years of experience with a personal loan lender is preferred, but not required

• Experience evaluating credit reports, calculating income, and debt-to-income ratios
• Ability to problem solve and propose alternate loan terms
• Detail oriented with the ability to concisely communicate relevant information
• Ability to grow and develop working relationships with a large team
• work with Excellent Team Player skills
• Ability to function in a high- paced and competitive environment
• Ability to solve problems while maintaining a positive attitude
• A genuine desire to help others succeed and achieve their goals
• Ability to retain information and exercise sound judgement consistently
• Ability to quickly learn new loan origination systems and effectively use Microsoft Office suite
• Ability to multi-task and work in a fast-paced environment

Education:

• Bachelor’s degree preferred, but not required

Company Benefits:

• Ongoing training and development
• Opportunity for career advancement
• Medical
• Dental
• Vision
• Company Paid Group Life / AD&D Insurance
• 7 Paid Holidays and 2 Flex Days to use at will
• Paid Time Off
• Flexible Spending/HAS
• Employee Assistance Program (EAP)
• 401(k) match
• Referral Program

Salary: $26.00 - $30.00 per hour

Other Duties:

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.

Work Authorization:

Must be able to verify identity and employment eligibility to work in the U.S.

Equal Opportunity Employer Race, Religion, Color, National Origin, Gender, Sexual Orientation, Age, Protected Veterans, Disabled

We are an equal opportunity employer without regard to race, religion or religious creed (including religious dress and grooming practices), color, sex (including pregnancy, perceived pregnancy, childbirth, breastfeeding, and any related medical conditions), gender, gender identity and expression, sexual orientation, transitioning status, national origin, ancestry, citizenship status, uniform service member status, military and veteran status, marital status, pregnancy, age, protected medical condition, genetic information, mental or physical disability, holding or presenting a driver’s license issued under Cal. Vehicle Code Section 12801.9, or any other category protected by applicable federal, state or local law.

Americor Funding, Inc. (the “Company”) has an internal recruiting department. Americor Funding Inc. may supplement that internal capability from time to time with assistance from temporary staffing agencies, placement services, and professional recruiters (“Agency”). Agencies are hereby specifically directed NOT to contact Americor Funding Inc. employees directly in an attempt to present candidates. The Company’s policy is for the internal recruiting team or other authorized personnel to present ALL candidates to hiring managers.

Any unsolicited resumes sent to Americor Funding Inc. from a third party, such as an Agency, including unsolicited resumes sent to a Company mailing address, fax machine or email address, directly to Company employees, or to the resume database will be considered Company property. Americor Funding Inc. will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Americor Funding Inc. will consider any candidate for whom an Agency has submitted an unsolicited resume to have been referred by the Agency free of any charges or fees.

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