CONSUMER UNDERWRITER

As a Consumer Underwriter you will be responsible for assisting retail bankers and underwriters in processing of consumer loan files providing quality loans by underwriting and evaluating consumer loan applications.  Also responsible for working collaboratively with lenders to ensure financial needs of our customers are met with loan products offered by bank.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Assist retail bankers in screening customer loan application to determine loan eligibility by compiling and analyzing personal financial data on daily basis and offering alternatives to meet customer and bank expectations. 
• Assess loan quality by analyzing accumulated data and loan structure and confirming loan file is underwritten to specific bank loan policy.  Attention to detail is critical. 
• Review provided documentation in all types of consumer loans:  including vehicles, lot loans, Home Equity LOC & loans, as well as unsecured loans.   Provide underwriting conditions to lenders and processors with items needed for clear to close.
• Prepare file recommendation for loans out of underwriters lending authority.
• Prepare write up for proper approval to document file that loan has been approved by proper authority.
• Prepare and recommend files for denial.
• Assist Manger with training new/existing employees on accurate data input for accurate application to reduce potential for negative impact to borrower(s) and bank. 
• Provided lender training as needed for both new employees or changes that need to be communicated. 
• Answer phone inquiries from lenders and staff to resolve issues and ensure customer satisfaction.  
• Evaluate, analyze and recommend process changes that would increase efficiency, ensure competitiveness, and reduce costs or redundancies in Retail Department. 
• Attend any compliance meeting or applicable seminars as needed.
• Review for approval and decline of bank credit cards per credit card guidelines. 
• Approve transactions for loan disbursements.
• Uphold Nicolet’s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.
• Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status or other non-job-related classification, including a commitment to Nicolet’s policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
• Performs all other duties as assigned, which may include helping processors & uploads as needed.

SUPERVISORY RESPONSIBILITES:

N/A 

KNOWLEDGE, SKILLS AND ABILITIES:

• Proficient with computer, phone system, and general office equipment
• Ability to learn and become proficient with Microsoft Office suite and other mortgage software applications
• Highly developed attention to detail and organizational skills
• Ability to prioritize and work rapidly and accurately in fast-paced environment
• Ability to maintain strict confidentiality
• This is a fully in-office position. Working remotely is not an option. 

EDUCATION AND EXPERIENCE:

• High School diploma required.
• Associate degree in business or equivalent financial services industry training preferred.
• 3-4 years administrative experience and/or retail loan documentation experience required. 
• 2-3 years consumer lending experience preferred.

PHYSICAL DEMANDS:

In compliance with the ADA, performance of this job requires certain physical demands. These demands are as follows but not limited to the ability to sit, stand and walk often throughout the day, constantly be able to operate with their hands and arms, occasionally ascend/descend flights of stairs, position themselves frequently throughout the day, communicate with other employees, able to examine their work and regularly lift and/or move up to 10 pounds while occasionally lift and/or move up to 25 pounds. These physical demands must be met by an employee to be successful and perform at full potential, but reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. 

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position. 

Equal Opportunity Employer/Veterans/Disabled