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Horizon Bank Consumer Loan Underwriter in Michigan City, Indiana

less thanh2>Job Overviewless than/h2>less thanp>less than/p>less thanp>Responsible for analyzing direct and indirect consumer loan applications and providing customer service to Horizon Bank branch advisors and dealership staff. Direct responsibility to underwrite secured and unsecured Consumer Lending products (HELOCs, HE term loans, direct auto/vehicle loans, mobile home loans, unsecured loans, lines of credit and other approved products) across Indiana, Michigan and other approved states, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs).less than/p>less thanp>less than/p>less thanh2>Principal Accountabilitiesless than/h2>less thanp>less than/p>less thanp>Support efficiency improvements and strategic objectives necessary to achieve or exceed consumer lending goals. Responsible for underwriting loan requests for new and existing clients, growing loan and deposit portfolio and generating fee income. Ensure client relationships are profitable and partner with other areas of the Bank to meet all of the financial needs of the clients. Work within a team to ensure loans progress through the pipeline timely and efficiently. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications.Accountable for adherence to compliance standards including Bank Secrecy Act (BSA).Actively protect confidentiality of customer and account information. Demonstrate Horizon Banks commitment to the communities we serve through involvement in local organizations and events.less than/p>less thanp>less than/p>less thanh2>Dutiesless than/h2>less thanp>less than/p>less thanul>less thanli>Analyze consumer credit reports for Consumer Lending applications to evaluate risk and make appropriate credit decision for department across our footprint.less than/li>less thanli>Review credit applications for completeness and accuracy as well as potential cross-sell and counter offers and submit recommendations to Retail branches and/or Manager.less than/li>less thanli>Review documents to support credit decision (verification of income, tax returns, personal financial statements, trusts and additional supporting documentation, etc.).less than/li>less thanli>Order and review documents to underwrite within stated Consumer Lending guidelines and applicable regulations (flood, appraisals, title, other documents as necessary).less than/li>less thanli>Formulate and communicate credit decision (approve, decline or counteroffer) in compliance with established underwriting guidelines, compliance and regulatory requirements.less than/li>less thanli>Review pipeline applications to maximize production, meet stated service level agreements,andservice guarantees and business objectivesless than/li>less thanli>Provide superior quality service to internal and external customers at all times and demonstrate professional demeanor while building rapport with customers to achieve mutual goals across branches and dealers.less than/li>less thanli>Ensure Consumer Lending credit authority is followed and appropriate approvals obtained when needed.less than/li>less thanli>Review credit applications and recommend decisions to management on applications that exceed the stated assigned authority.less than/li>less thanli>Maintain adequate delinquency and charge off ratios to consumer lending portfolio and an acceptable exception ratio with minimal error rate.less than/li>less than/ul>less thanp>less than/p>less thanh2>Personnel Managementless than/h2>less thanp>less than/p>less thanul>less thanli>Provide underwriting expertise in all categories of transactions; apply analytics and guidance in required structuring and terms in order to balance the risk and rewards of the transaction in an attempt to win the business.less than/li>less thanli>Provide expertise and guidance in negotiating and documenting loan transactions with branch staff and dea