Jr Consumer Loan Underwriter

At Beehive FCU, our common goal is to nurture our most valued asset: the friendships we have with our members. We are here to help--it's the only reason we exist. We believe we have the power to help our members with some of the most important, most difficult, and most rewarding endeavors in their lives.

Our success starts with creative and caring individuals who work together to bring superior service to our members. We hire only the best and brightest, give them a great place to work, and provide an excellent benefits package.

If you are someone who is passionate about helping people with real life needs, then Beehive FCU may be the place for you.

Beehive Federal Credit Union's Lending Department in Rexburg is seeking a full-time Jr. Consumer Loan Underwriter to work 40 hours per week, Monday-Friday with occasional evenings and Saturdays. The expected pay is $_____ per hour, DOE. This position:

• Underwrites consumer loan applications within credit union guidelines and evaluates loans to maximize organizational profit and minimize risk or loss;
• Recognizes, structures, presents, and approves additional loan opportunities to maximize member benefits;
• Serves as a trainer and a resource to employees on underwriting, loan documentation, policy, and procedure questions;
• Increases the Credit Union's portfolio of loans and other financial services initiated through relationships with auto dealers and other retail businesses capable of extending Credit Union services to members and potential
  members.

Job Description

• Interview or reviews member loan applicants to develop information concerning their loan needs, earnings, and financial condition. Analyze the current financial position of members to determine the degree of risk involved in extending credit or lending money. Makes decisions to approve, disapprove, or forward the loan request to higher levels of authority.
• Work with and train consumer lending team in applying exceptional analytical and loan decisioning skills on loans that are above individual lender limits. Offer viable and creative loan alternatives while staying within credit union risk tolerance.
• Assist the Indirect Lending Manager in establishing and maintaining ethical dealership relationships. Implement and assist in leading a safe and sound indirect lending portfolio. Act as a liaison between the Credit Union and dealerships in resolving problems that arise.
  a. Train finance personnel at dealerships and within the Credit Union to ensure everyone is knowledgeable about program requirements and procedures.
  b. Will make onsite dealership visits on an as needed basis.
  c. Suffer no losses as a result of operational problems with the program, new business or dealer/ retailer relationships.
• Performs other duties as assigned and performs all duties in compliance with the Bank Secrecy Act. Works at or attends community events as assigned. Strives in all that they do to enhance the member experience at BFCU, including actively engaging in needs-based cross-servicing.

Qualifications

• Two years to five years of similar or related experience. Successfully decisioned $12 million dollar consumer loan portfolio with an average of $500,000 in consistent loan fundings per month.
• High school or equivalent education.
• Must provide friendly, professional, personal service to all members.

Benefits

Full-time employee benefits include paid holidays; employer sponsored 401(k) retirement plan including 2% company match and 9% profit sharing; health, vision, and dental insurance with 95% employer paid premium and 65% employer paid premium for families; employer paid life insurance; plus the opportunity to work in an excellent team-oriented environment. You'll love working at Beehive!

Beehive Federal Credit Union is a member-owned, not-for-profit organization founded in 1960. Headquartered in Rexburg, Idaho, Beehive is a full-service credit union serving members and employees of The Church of Jesus Christ of Latter-day Saints nationwide. Branches are located in Rexburg, Rigby, Idaho Falls, and Meridian, Idaho. Beehive Federal Credit Union is an Equal Opportunity/Affirmative Action Employer of Females/Minorities/Vets/Disability.

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