Why Build a Future at Members 1st?

• Unmatched company culture – If there is one concept, we want you to understand about us, it is this. WE. It is a simple little word, but it means everything here. We think as one. One faM1ly. One Community. One place where everyone belongs. Everything we do is in the best interest of all of us.
• Competitive compensation with career growth opportunities as well as annual increase & bonus potential.

• Nationally recognized 401K, up to 10% employer contribution that helps our associates prepare for their futures
• Excellent benefits including Health Insurance as low as $5 per pay, Tuition Reimbursement, 11 paid holidays & a competitive PTO plan—just to name a few!
• Our commitment to providing a healthy work/life balance – to support all the other parts of life that are important to you!
• With faM1ly always in our forefront, we offer Paid Parental Leave to help support your time off to bond with your new child.
• Strong commitment to our Members & Communities we serve with a plethora of volunteer opportunities available.
• Strong commitment to our associates with our dedication to providing professional development, leadership training & coaching opportunities!
• Associate Resource Groups – namely, Women in Leadership and Diversity, Inclusion & Belonging

The purpose of the Direct Underwriter position is to analyze and make credit decisions within established lending guidelines to support achievement of Credit Union’s loan portfolio growth and profitability objectives. This position has no budgetary responsibility, but decisions may have a minor impact, has limited supervisor over its work, and requires analysis in order to perform its job functions.

The Direct Underwriter is responsible for performing credit analyses on loan applications, assessing risks, rendering decisions, promoting products and services, providing customer service, and assisting in special testing and audit projects. This includes, but is not limited to, ensuring compliance within internal policies and regulatory standards, identifying loan restructuring opportunities for members, cross-selling, testing system updates, assisting in auditing preparations, and mentoring new or junior lending associates.

Hybrid Opportunity

This is a hybrid opportunity that will require you to be in office at our headquarters (Enola, PA) 2-3 days per week. The position may require in-person training.

EDUCATION:

• General and business knowledge equivalent to a high school diploma

CERTIFICATIONS:

• Required to register and maintain a unique identifier with the Nationwide Mortgage Licensing System and Registry (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (“SAFE Act”). This must be renewed on an annual basis from November 1 to December 31. Must also record any changes (name, address, or any outdated or inaccurate information) within 30 days with the NMLS Registry

EXPERIENCE:

• 6 months-2 years of experience in consumer lending
• 6 months - 2 years in a consumer lending underwriter capacity

SKILLS:

• Strong analytical and problem-solving skills
• Solid interpersonal, communication and collaboration skills
• Exceptional time management and organizational skills
• Proficient Microsoft Office and applicable software skills
• Skills and in-depth knowledge of credit/underwriting theory and practice

CORE COMPETENCIES:

• Effective knowledge
• Accountability and self-management
• Teamwork and leadership
• Communication
• Innovation and problem-solving

WORKING CONDITIONS/PHYSICAL DEMANDS:

• Ability to communicate effectively in English, both orally and in writing
• Visually able to perform activities such as preparing and analyzing data and figures, viewing a computer terminal, and extensive reading
• Ability to sit for extended time periods
• Sufficient manual skill for operation of PC keyboard and other standard office equipment
• Ability to travel, including occasional overnight travel
• Ability to exert minimum amounts of force occasionally to lift, carry, push, pull or move objects

#LI-AT1

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)