ZIONS BANCORPORATION Consumer Underwriter in WEST VALLEY CITY, Utah
Description * Responsible for reviewing, analyzing, underwriting, evaluating and for approving or denying consumer, credit card, mortgage residential and construction loan applications according to the company's guidelines, business and credit standards as well as applicable laws and regulations. * Review documents and forms within system. * Responsible to review and analysis income, asset, credit documentation, credit reports, salary and employment history, debt ratios and loan to value information to determines a borrower's credit-worthiness. * May also evaluate the value of the subject property. * May recommend terms of loan. * Gathers information as necessary to make sound decisions. * Responds to affiliate banks, loan center and branch personnel on lending decisions and issues. * May recommend exceptions based on finding. * Responsible and accountable for risk by elevating concerns and following policies and procedures. * Keep abreast of federal and state laws and regulations relating to consumer lending. * Other duties as assigned. Qualifications: * Requires an associates degree and some experience with consumer or mortgage associated lending, credit reports and documentation or other directly related experience. * An equivalent combination of education and experience may meet qualification. * Basic knowledge of consumer-mortgage credit, credit reports, lending and underwriting concepts, practices and procedures. * Ability to review and analysis income, assets, credit documentation, credit reports, debt ratios and loan to value information. * Knowledge of federal and state laws and regulations relating to consumer lending. * Ability to make sound decisions. * Must have good customer relations and communication skills, both verbal and written. * Ability to underwrite a high volume of loan applications maintaining accuracy and consistency. Strong attention to detail. * Ability to handle confidential material in a professional manner. * Working knowledge of a various related software applications, including spreadsheets, word processing, etc.