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More info Reply to: see below Title: Consumer Underwriter
Location: Orange, CA
Candidates in this job are responsible for assessing the overall credit risk of loan transactions by thorough analysis of all loan components for consumer loan applications. Components include: credit report, all sources of income, analyzing the bank statements, ach bank information, type of loan program, FICO score, CDS score, and identifying financial fraudulent activities.
Responsibilities:
? Review all loan components in the consumer loan application to include but not limited to completeness, accuracy and integrity while ensuring that documents are consistent and uphold to Company and industry guidelines. (i.e. qualifying income used is supported by documentation provided.)
? Examine transaction to ensure compliance with all CashCall's consumer loan policies.
? Implement and enforce fraud detection techniques. Request supplemental information/documentation as necessity dictates. Also, forwarding files to the fraud queue for review when necessary.
? Underwrite loan application within limits of credit authority based on capability to underwrite transactions involving varying levels of complexity and risk--Acquire a 2nd level underwriter when deemed necessary.
? Recognize risk factors that may compromise the overall quality of the application request.
? Execute prudent loan decisions and review loan conditions in a timely manner.
? On average underwrite and disposition 50 consumer loans applications per day.
? Every file must be reviewed to completion on the initial review, (application, credit, faxes, call logs & all calculations) no matter the decision, unless an incomplete application was given.
? Recognize types of documentation required for varying or unique circumstances. (e.g. Self-Employed borrowers, derogatory credit and non-traditional income sources, etc.)
? Effectively communicate an engage proactively with loan agents, funders and servicing/collections in regards to loan decisions, assignment of loan conditions and possible loan scenarios.
? Each underwriter is to uphold exceptional customer service.
Requirement:
? Ability to be detailed oriented while working in changing working conditions
? Knowledge of CDS Scores, FICO Scores, consumer loan applications, ACH transactions
? Ability to analyze large amounts of financial data and the ability to document financial data accurately
? Strong computer skills; Proficient with Microsoft Word, Excel, Power Point, Outlook
? Ability to communicate verbally and in writing
? Experience in Consumer Underwriter preferred
Unique & Exclusive to YOU!
? Medical, Dental, Vision after 60 days of employment
? 401k Plan after 6 months of employment
? Vacation & Sick after 30 days of employment
? Casual Dress environment
? Southern California Theme Park Attraction Discount Program
? Verizon & AT&T Discount Programs
? Shopping and Entertainment Discount Program
? Casual and supportive work environment
? Onsite basketball courts
Pay Range: $45,000 to $55,000/year with potential for growth!
The Company:
Founded in 2003, CashCall, Inc. has grown to become one of the nation's premier consumer finance lenders. Headquartered in Anaheim, California, the company employs over 1,900 lending professionals, each dedicated to providing exceptional customer service. CashCall has been able to simplify and streamline the loan process, through the seamless coordination of online and offline services to make the process faster, easier and hassle-free.
CashCall has an unsecured personal loan division and a mortgage division. Each division offers a variety of services depending on an applicant's credit score and needs.
CashCall's Mortgage Division specializes in low interest mortgage loans and home refinancing for borrowers with good credit. Founded by the people who started the very first direct mortgage company in 1995.
CashCall's Mortgage Division has streamlined the application and lending process, reducing its own costs and passing these savings on to customers by undercutting larger banks and lenders with lower interest rates, no application fees, deposits or points.
To apply online, please visit: https://www7.ultirecruit.com/CAS1008/jobboard/NewCandidateExt.aspx?__JobID=166
Location: Orange, CACompensation: $45k to $55k year depending on experiencePrincipals only. Recruiters, please don't contact this job poster.Please, no phone calls about this job!Please do not contact job poster about other services, products or commercial interests.PostingID:3505229035
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