Underwriter-Direct

SUMMARY: This position will work with consumer loan applications to determine credit worthiness and suitability for approval. This position will routinely handle confidential documents and conduct a thorough financial analysis of appropriate client information.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Analyze a borrower's credit worthiness by reviewing verification of income, tax returns, financial statements, credit reports, real estate, appraisals, title work, and any other supporting documents
  necessary
• Determine if a customer's loan application should be approved or denied within the lending limit authority
• Ensure the compliance, accuracy and completeness of loan documentation
• Assist when necessary in the preparation of loan closing documentation
• Review credit applications and recommends decisions on applications over their assigned authority to supervisor
• Rework loan to new terms or identify additional conditions as needed
• Interact with Operations, Compliance, and Funding for problem resolution, risk evaluation and compliance concerns, as needed
• Provide input on new and/or existing underwriting processes and procedures
• Remain current and knowledgeable regarding industry, new product offering guidelines, department procedures, and regulatory changes
• Assist lenders and processors with file documentation
• Accomplish bank mission by completing related results as needed
• Communicate and interpret in a clear and concise manner any insufficient or inadequate data not properly documented or received to the Loan Manager or other lending officer
• Determine alternate documentation that can be used in lieu of standard requirements using sound judgment and prior knowledge/experience
• Prepare and presents summation reports related to monthly, quarterly, and annual goals, and for compliance reporting
• Properly process and underwrite Indirect loan applications as needed
• Complete all mandatory and elective training, including BSA (Bank Secrecy Act) and Anti-Money Laundering procedures. Maintain compliance with all appropriate rules and regulations
• Regular, predictable attendance is an essential requirement of this position
• Complete all other duties as assigned

EDUCATION and/or EXPERIENCE:

• Bachelor's Degree in finance or accounting (or equivalent work experience)
• Minimum of three (3) years of lending and/or underwriting experience
• Proven customer service skills, direct contact and via phone
• Strong knowledge of Word, Excel, Internet navigation/research, and Outlook is expected

Farmers National Banc Corp. is an Equal Opportunity Employer: disability/veteran