Are you ready for an exciting career in the financial services industry? If so, Andrews Federal is the place for you! Andrews Federal is a transformative, international financial institution, proud to serve our military and communities. Our top priority remains to help our members achieve financial wellness.

With a positive workplace culture embedded in every aspect of our DNA, our organization has been certified as a Great Place to Work for 3 consecutive years. Andrews Federal offers a highly competitive compensation and benefits package to maintain a happy and healthy workforce.

As our organization continues to thrive, we seek a highly motivated workforce that is not afraid to provide innovative solutions within the financial services industry. Our leaders encourage collaboration and new ideas as we continue to serve our global membership.

Some of the perks of working at Andrews Federal include:

• 12 paid holidays a year including your birthday
• Affordable healthcare plans and Employer Paid FSA accounts
• Career development, training opportunities, career coaching, and tuition reimbursement
• Retirement plans with a competitive matching option
• Childcare stipend to help working families

PURPOSE OF POSITION

To provide a variety of automobile loan funding and processing duties. Operating in a fast-paced environment. Responsible for minimizing potential risk for the Credit Union through accurate and thorough verifications, providing high levels of service and contact with the dealers. Meeting daily funding objective’s and loan goals. Ensuring all loan documents as require by the underwriter have been received. Validating that all service contracts and other documents have been sign properly, and all required documents have been received. The incumbent must effectively communicate with the dealers on a daily basis and build dealer relationships. Responsible for providing accurate and timely responses to Dealers regarding missing documents and building dealer relationships.

ESSENTIAL DUTIES

The position’s essential duties include the following:

• Analyzes loan applications, credit bureau reports, collateral evaluation, member account data, financial statements, tax returns, pay stubs and other documentation. Update the loan system with verified information received and ensuring all pending and/or outstanding issues have been finalized.
• Maintain productivity and quality of service standards and expectations. Determine debt-to-income ratio, collateral valuation, and general loan quality.
• Ensure that all loan decisions are based on an accurate and thorough understanding of each member’s financial needs and conditions, and that they are made in accordance with guidance contained in the policies and procedures manual.
• Discuss loan programs and alternatives with the dealers and notify dealers of loan decisions. Serve as financial advisor and constructive financial critic to the credit union’s dealers.
• Properly administer the creditworthiness and documentation of all loans that are originated. Coordinate the elimination of any obstacles to closing.
• Follow up with dealers daily for any outstanding documents.
• Occasional visits with primary dealers to build relationship.
• Maintain an accurate record of all loan documentation and ensuring that complete loan packages have been received prior to funding.
• Scan all loan packages in the document retrieval system.
• File all loan packages in the file run while keeping up with high volume.
• Must meet required goals and standards.
• Must have underwriting skills and underwriting authority to be able to identify and loan issues and to calculate income for all income verification types.
• Must have great organizational skills and effective communication skills.
• Remains cognizant of and adheres to Andrews Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
• Perform additional duties and responsibilities as directed.
• Responsible for creating and maintaining servicing desk reference.
• Remains cognizant of and adheres to Andrews Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.
• Attends work regularly and according to work schedule; limits absences according to personnel policies regarding leave usage
• Interacts with co-workers, supervisors, members, and outside contacts in an appropriate, professional manner, which projects a positive image of the department and Andrews Federal
• Other duties as assigned

REQUIRED EXPERIENCE

• 1-2 years loan underwriting experience in a lending environment preferred, or a college degree in a related field and one year of lending or underwriting experience.
• Working knowledge of applicable laws and regulations related to lending (Reg B, Reg Z and Fair Credit Reporting Act).
• Prior underwriting and loan approval experience is preferred.
• Strong mathematical and PC skills to include word processing and spreadsheets.
• Must be detail-oriented and have the ability to operate a variety of office equipment.
• Excellent organizational, written and verbal communication skills.

PHYSICAL REQUIREMENTS:

• Requires the ability to sit at a desk and computer for extended periods of time.
• Must be able to use a personal computer, 10 key calculator, and telephone.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.