Consumer Credit Underwriter II

Why Broadway Bank:

We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.

Position Overview:

This role is
responsible for reviewing, processing, underwriting, and documenting consumer loan
applications in compliance with regulatory and internal guidelines. The
position serves as an intermediate-level underwriter for designated loan
products and provides training and assistance to entry-level underwriters. This
role works directly with Bank personnel to facilitate complete loan
applications for analysis and sound underwriting.

Essential Functions:

• Maintains thorough knowledge of the Bank’s consumer loan products, policies, and procedures, ensuring compliance with all applicable regulatory requirements.
• Demonstrates a general understanding of consumer policies and products and underwriting related to private banking products.
• Responds to inquiries from internal customers within established time frames, providing prompt, courteous service.
• Underwrites and approves consumer loans, including rate and policy exceptions, within assigned lending authority
• Evaluates applications beyond lending authority and makes appropriate recommendations, ensuring adherence to the Consumer Credit Policy and Guidelines.
• Works with bankers and Loan Processing to gather necessary information to underwrite consumer loans.
• Analyzes personal income tax returns and financial statements of moderate complexity.
• Communicates credit decisions within the loan origination system. Conducts follow-up with bankers and Loan Processing in accordance with established guidelines to obtain pending information.
• Provides on-the-job training to new hires and entry-level underwriters. Serves as a subject matter expert on consumer loan products.
• Assists with testing for rate changes and upgrades within the loan origination system, identifies discrepancies, and makes recommendations for system enhancements and process improvements.
• Identifies opportunities to up sell and/or cross-sell related bank products and services.
• Meet and maintain financial responsibility, character and general fitness standards along with all other established requirements for an individual Loan Originator in accordance with Regulation Z.

• Performs other related duties as assigned to support the Bank’s operations.
• This position may require travel within the Bank’s geographic area.

experience & education:

• Minimum of 2 years of consumer loan underwriting, processing, or servicing experience.
• Experience with consumer loan approval authority and direct customer contact within a financial services organization.
• Demonstrated knowledge of consumer lending, including banking compliance and regulatory requirements.
• Experience with credit scoring, automated Application, and underwriting systems.
• High school diploma or equivalent required; some college or a four-year degree preferred.

Skills & Qualifications:

• Ability to work effectively with both internal and external customers.
• Strong knowledge of consumer loan documents and loan closing processes.
• Familiarity with banking compliance and regulatory requirements, particularly related to consumer credit underwriting and lending authority.
• Proficiency in using loan systems such as Meridian Link Consumer and FiServ (preferred).
• Moderate proficiency in word processing, spreadsheets, and general computer operations, including Microsoft Office software.
• Strong verbal and written communication skills, with the ability to convey complex information clearly.

Other Requirements:

• Ability to meet deadlines and
  manage multiple tasks in a fast-paced environment.
• In-depth knowledge of consumer
  lending policies, compliance standards, and relevant financial
  regulations.
• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.

We’re a culture that offers resources to benefit your
overall health and well-being:

• Career Development and Mentorship Programs
• Generous paid time off, minimum 4 weeks
• Employee recognition, awards, and events
• Free vision insurance
• Retirement matching
• Tuition reimbursement

This job description is not
designed to be a comprehensive listing of duties, responsibilities, or
activities that are required for this job. Duties, responsibilities, and
activities may change at any time with or without notice.
Broadway Bank
is proud to be an Equal Opportunity Employer. Broadway Bank is a drug-free and
tobacco-free workplace, with a nicotine-free hiring policy. All qualified applicants
will receive consideration for employment without regard to race, color, sex,
sexual orientation, gender identity, religion, national origin, disability,
veteran status, or other legally protected status.
Member FDIC