Indirect Underwriter
Current• Underwrite indirect applications received within client’s loan origination systems within designated goal time • Exercise sound judgment and discretion to approve, counteroffer or deny loan applications under authority delegated• Ensure appropriate structure for approved and counter offered loans, setting rate, terms and conditions while maintaining compliance with client lending parameters and company policies• Handle the underwriting responsibilities in a timely and accurate manner adhering to our quality service standards• Work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances• Discuss loan alternatives, credit criteria, interest rates and loan documentation with dealers• Ability to identify and handle fraud indicators• Calculate loan to value, debt ratios, unsecured ratios, and aggregate secured debt on applications