Retail Credit Underwriter (REMOTE in DE, MD, NJ, PA, or VA)

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Posted 12 days ago United States Salary undisclosed
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Job Description

Value Proposition:

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company and every success we experience begins with them. We hire team members who raise the bar, who are collaborative and inclusive, who build relationships, and who are looking for a long-term career with Fulton Bank. We strive to promote a culture of work-life balance, to unplug and recharge to be your best self, at work and at home.

Overview:

This is a full-time career opportunity that can be based fully remote within the Fulton Bank footprint (DE, MD, NJ, PA, or VA). Hours are Monday-Friday 8:00-5:00.

Actively involved in quality assurance of new consumer credits. This includes, but is not limited to underwriting loan requests and assisting in the timely and accurate production of initial disclosures, ordering and analyzing all required supporting services and documentation, providing system and product policy guidance to the sale teams, and ensuring origination system is accurately completed prior to ordering documents.

Responsibilities:
  • Supports the Retail Lenders by Underwrites loan requests not to exceed individuals established authority and analyzes supporting documents and services providing feedback to lenders as necessary. Also identifies potential upsell and cross sell opportunities with these new loans in process. Working closely with lenders to recommend the most appropriate methods to properly document more complex transactions. Answering inquiries that may require further research and responsible for communicating effectively with lending employees, support staff and other bank staff to ensure the loan accurately represents the loan approval within bank policy. Communicating with in house legal counsel and compliance staff to ascertain the proper documentation required to protect the banks interests. Analyzes appraisals to validate accuracy and compliance with regulations and Fulton Financial Corporation policy elevating concerns to the Fulton Financial Corporation appraiser or designate. Also performs this same analysis for all Automated Valuation Models and Property Condition Reports. Communicates effectively with lenders to obtain the necessary critical information and supplemental information to properly process the loan within established timeframes.
  • Assists department manager in coordinating the daily work assignments for subordinates to ensure accuracy and completeness of all loans in a timely manner by Assisting less experienced staff by conducting a thorough review of the more complex loan requests from lenders to determine if all appropriate critical information is provided Assists staff and lenders to ensure compliance with Home Mortgage Disclosure Act, Bank Secrecy Act Bank Secrecy Act, MDIA, HPML, HOEPA, Customer Identification Program, flood insurance requirements and other applicable regulations prior to ordering loan documents. Supports other staff members in more complex matters and addresses documentation issues of increased complexity with little or no assistance. processes loans and or allocates work assignments to other staff members to meet the closing deadlines and other time constraints.
Qualifications: Education

Bachelor Degree or the equivalent experience. Specialty: Relevant degree pertaining to the essential duties of this role. (Required)

Required Experience

3 or more years Consumer lending preferably with some Consumer Credit Administration and compliance or regulatory.

: This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Sponsorship Statement : As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future. EEO Statement : Fulton Bank (Fulton) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.