Job Summary:Responsible for evaluating all loan applications received in person, by mail, fax or web to determine eligibility following all federal lending regulations and credit union policy guidelines.Essential Duties and Responsibilities:Reviews, analyzes and evaluates credit information, applications and loan documents received for all lending products and determines eligibility and risk based pricing using established credit union procedure and policy with in the lending limit assigned.Prepares all Adverse Action letters for applicants who were denied credit.Identifies opportunities to cross-sell and upsell credit union lending and debt protection products to maximize loan growth and relays information to branch and call center staff.Process home equity loans including providing required disclosures in a timely manner, ordering property searches, and property valuations as needed.Reviews all closing documents for accuracy and thoroughness.Responds to Quality Control issues and takes corrective action as necessary.Determines value of collateral for secured loans and that credit union obtains perfected interest in the collateral.Sends applications over lending limit to an Underwriter III or VP of Lending for a decision.Orders all required reports for real estate secured loans (i.e. property search, flood, appraisal, title report etc..) and reviews for accuracy and any issues preventing the extension of credit.Stays current on all NMLS and Federal loan regulations and credit union policies, updating information for national database as required and completes annual SAFE Act training.Participates in available credit union self-development education programs and required compliance courses through self-study, Digital University, Lending Development Training, and credit union training department.Performs other duties or special projects as required or as assigned by a supervisor.Adheres to the FHCU service standards as established.Qualification RequirementsEducational/Training Requirement:High School Diploma or GEDAssociate's degree, preferredExperience:Two (2) or more years of experience as a loan underwriter or equivalent combination of education and experience.Licenses/Certifications:Registered and active NMLS numberKnowledge, Skills, and Abilities:Thorough Knowledge of Federal lending regulations, NMLS requirements and credit union lending policyProficient in Microsoft Office Suite, Outlook and using the webExcellent oral and written communication and interpersonal skillsAbility to interpret lending policies, as stated in the Loan Policy Manual, Regulation Z, etc.Ability to interact with others in a professional mannerAbility to develop adeptness in credit union and lending software programsAbility to work with minimal supervisionPhysical Requirements:The physical demands require a person to remain seated for up to eight (8) hours per day and perform repetitive hand movements on a keyboard.Americans with Disabilities Act (ADA):Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job duties of the position. If you need to request and accommodation please contact Talent Services at 856-232-9000 ext. 5104 or via email to TalentServices@southjerseyfcu.com.First Harvest Credit Union is an Equal Opportunity Employer/Veterans/DisabledFor 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 our website.https://firstharvestcu.isolvedhire.com/jobs/1200134-39985.html