Underwriter- Indirect

Farmers National Bank of Canfield
United States, Ohio, Canfield
20 South Broad Street (Show on map)
May 03, 2024
Description SUMMARY: This position will work with indirect consumer loan packages to determine credit worthiness and suitability for approval. This position will routinely handle confidential documents and conduct a thorough financial analysis of appropriate client information. ESSENTIAL DUTIES AND RESPONSIBILITIES: Review and underwrite indirect consumer loan applications in a consistent and timely manner Perform in-depth analysis of individual and corporate tax returns, appraisals and credit reports Properly prepare adverse action letters in a timely manner Explain alternatives for restructuring credit if a restructure will benefit the applicants and provide counsel to Finance Mangers on credit related issues within the submitted loan application Request missing loan documents from dealers Communicate and interpret in a clear and concise manner any insufficient or inadequate data not properly documented or received, to the Indirect Loan Manager or other lending officer Determine alternate documentation that can be used in lieu of standard requirements using sound judgment and prior knowledge/experience Maintain positive business relationship with auto dealers, internal and external customers Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations Regular, predictable attendance is an essential requirement of this position Assist Indirect Loan Funding Clerk reviewing and funding all indirect loans using bank guidelines Complete other duties as assigned EDUCATION and/or EXPERIENCE: Bachelor's Degree in finance or accounting (or equivalent work experience) Minimum of 3 years of lending experience; auto industry experience preferred Proven customer service skills, direct contact and via phone Strong knowledge of Word, Excel, Internet navigation/research, and Outlook is expected Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran Qualifications Education Bachelors of Business Administration (preferred) Skills Indirect Lending (preferred) Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)