Underwrites Consumer, Credit Card, and Home Equity Lines-of-Credit (HELOC) applications. Evaluates, reviews, approves or declines loans within credit authority while monitoring the risk to the credit union. Adds value to the organization by contributing to the process which adds sound assets to the Credit Union’s portfolio. Responsibilities: • Reviews loan requests, accepts incoming calls from members, and/or internal members, and evaluates requests for review of loan decisions. Interacts with members and internal members to discuss loan decisions, and review of loan applications and structures/rules. • Reviews pertinent financial and credit data and evaluates credit quality within delegated authority limits. Approves, sets conditions and denies applications submitted for approval outside standard loan decision matrix and matrix limits. Determines appropriate counter-offer and/or pre-approves members for additional loan products. • Ensures that all exceptions made are fully documented in loan notes to adequately justify any loan decisions made that may fall outside of policy or procedure guidelines. • Monitors the LOS Underwriting queues to ensure service levels are achieved. • Supports the department ACD Must Answer Line • Supports and participates in continuous improvement activities. • Represents the Credit Union in a positive and professional manner. • Other related duties as assigned. • Maintains member and other sensitive information with confidentiality. • Treats all co-workers and members with respect. Qualifications: • 1 year consumer loan operations experience and 1 year underwriting experience. • Over 1 year underwriting experience, including HELOC preferred • Working knowledge of NCUA lending regulations, and consumer lending and collections concepts and practices. • Good understanding of all consumer lending products, documentation, policies and procedures, services and delivery methods. • Must be able to communicate effectively with members, management, team members and external third-parties. • Ability to interface with people in a positive manner with empathy, courtesy and tact. • Good interpersonal and consulting skills. • Able to handle difficult calls. • Team oriented and the ability to work collaboratively • Ability to analyze and solve problems relative to member service needs • Must be able to coordinate, manage and guide multiple priorities simultaneously and effectively through to completion. Education: High School Diploma Website: nuvisionfederal.com/careers Benefits: • Medical • Dental • Vision • Life Insurance • Flexible Spending Account • 401(k) Matching • Paid Time Off • Training Provided • Tuition Reimbursement Covid-19 Precaution(s): • Remote Interview Process (some positions vary) • Social Distancing and Mask Guidelines in place