Trustmark
Direct Consumer Underwriter I
Trustmark, Pearl, Mississippi, United States,
Direct Consumer Underwriter I
Location
US-MS-Pearl
Job ID
2024-17734
Category
Underwriting
Type
Regular Full-Time
Job Grade
10
FLSA Status
Exempt
Working Hours
8am - 5pm
Job Location: Company
Consumer Loan Center - 10121
Overview
The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.Responsibilities
Approve, decline, or conditionally approve consumer loan applications and provide supporting documentation
Perform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factorsPrepare loan recommendations for the HMDA Retail Second Review CommitteeEnsure compliance with all Bank regulatory requirementsInteract with Loan Officers to gather the information necessary to analyze each loan applicationPerform additional duties as assigned.Qualifications
Four-year college education OR High School Diploma with two years of direct consumer underwriting experienceBasic knowledge of consumer credit analysis with work experience in consumer lendingBasic knowledge of bank lending policies and related regulatory requirementsBasic knowledge of credit scoring principles and principles of financeGeneral knowledge of loan documentation and lien perfection requirementsCommunication skillsBasic Computer skillsInterpersonal skillsWorking knowledge of Action Underwriting System preferredBasic knowledge of Trustmark Consumer Credit products preferredWorking knowledge of Microsoft Office applications preferrred
Location
US-MS-Pearl
Job ID
2024-17734
Category
Underwriting
Type
Regular Full-Time
Job Grade
10
FLSA Status
Exempt
Working Hours
8am - 5pm
Job Location: Company
Consumer Loan Center - 10121
Overview
The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.Responsibilities
Approve, decline, or conditionally approve consumer loan applications and provide supporting documentation
Perform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factorsPrepare loan recommendations for the HMDA Retail Second Review CommitteeEnsure compliance with all Bank regulatory requirementsInteract with Loan Officers to gather the information necessary to analyze each loan applicationPerform additional duties as assigned.Qualifications
Four-year college education OR High School Diploma with two years of direct consumer underwriting experienceBasic knowledge of consumer credit analysis with work experience in consumer lendingBasic knowledge of bank lending policies and related regulatory requirementsBasic knowledge of credit scoring principles and principles of financeGeneral knowledge of loan documentation and lien perfection requirementsCommunication skillsBasic Computer skillsInterpersonal skillsWorking knowledge of Action Underwriting System preferredBasic knowledge of Trustmark Consumer Credit products preferredWorking knowledge of Microsoft Office applications preferrred