Underwriter - Direct Consumer Lending

Description The Underwriter ? Consumer Direct underwrites Non-Equity Unsecured, Secured/Titled and Deposit products for Retail and Phone Bankers, Huntington.com, and BLEND on-line origination channels on the ACAPS credit platform. Duties & Responsibilities: Underwrite Unsecured products throughout the Bank?s Footprint (including Fixed Unsecured ILN?s, specialty Home Improvement/CRA programs such as Ohio State Home Improvement, Mercy Medical, and EcoLink) Underwrite Secured Titled products throughout the Bank?s Footprint (including Vehicle ILN?s, New/Used, Marine, RV, Miscellaneous Titled, as well as HNB Deposit secured products/liquid collateral) Underwrite applications from initial decision to clear-to-close, utilizing ACAPS/EDR HAWC imaging in a paperless environment Adhere to all department service level standards for communication, production, and cycle time Contribute to a supportive environment that offers collaboration, customer service and a commitment to doing it right Perform other duties as assigned Basic Qualifications: High school diploma or equivalent 3 or more years of Consumer Lending experience for real estate and/or consumer product sets referenced in the job description Preferred to have recent underwriting experience with all in-depth knowledge and understanding of regulatory compliance, (i.e., Reg B, Fair Lending, ATR/Ability to Repay, Income, etc.) Preferred Qualifications: Ability to analyze and underwrite complex loan structure, including complex self-employed cashflows, personal/business, PFS, etc. as well as standard Wage Earner/Paystub/W-2 Experience with risk accountability, law and regulation compliance and audit/regulatory examination response, mitigate risk with Red Flag identification and Risk tools, (e.g., AUCC/ID XCHECK, LEXIS NEXIS, etc.) Working knowledge of standard product set, purchase agreements/bill of sale, titles, UCC?s, clean title/lien perfection process Proficient in software (Microsoft Office Package, including Excel) Ability to accurately interpret, apply, and explain policy/procedures to both internal and external customers Self-discipline to work in a high-volume environment with minimal supervision, while maintaining acceptable production service levels Strong analytical skills with attention to detail Customer service oriented Ability to multi-task while maintaining a high-level of flexibility #LI-Hybrid #LI-DK1 Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We?re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Huntington is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basi Welcome to Huntington! At Huntington, we look out for people. From reinventing banking with game-changing innovations to building an internal culture that creates lifelong bonds, together, we can make people?s lives better. And amazing things happen when we look out for each other. We prove it every day. Whether it?s helping a colleague or collaborating on a new tool that will revolutionize the way people save money, our actions can have a huge impact. Our colleagues look out for people with a Can-Do Attitude, Service Heart and Forward Thinking. Those are our values?simple but powerful. Each of them pushes us do the right thing, to do right by people. Because people are what matter. If that sounds like you, we hope you?ll apply to join our team. If you?d like to learn more about how Huntington looks out for people, visit https://www.huntington.com/lookingout We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of this site or if you require a reasonable accommodation to apply for a job or to perform the essential functions of the job, please send an email to [email protected] Reasonable Accommodations Reasonable Accommodations EEOC Disclaimer EEO is The Law EEO/AA Employer/Minority/Female/Disability/Veteran/Sexual Orientation/Gender Identity EEO is The Law - Supplemental Poster Pay Transparency Pay Transparency Nondiscrimination Provision (dol.gov) CA Data Privacy CA Data Privacy Rights Tobacco Disclaimer Tobacco-Free Hiring Practice Agency Statement Huntington does not accept solicitation from Third Party Recruiters for any position.

Apply Job!

For more such jobs please click here!