Credit Clerk, Sr. jobs in San Antonio, TX

We are seeking a Credit Underwriter for the Sustainable Home Underwriting Department.

The Credit Underwriter for Sustainable Home Lending (SH) is accountable for analyzing loan applications and rendering sound, comprehensive, and timely credit decisions using authorized discretion within Credit Human credit policies and guidelines. This Credit Underwriter is accountable for producing quality loans made within authority limits, providing effective communication to dealers, and excellent customer service. This requires the Credit Underwriter to administer and maintain dealer relationships by communicating our value proposition in such a way that dealers are clear on the associated benefits of choosing Credit Human’s SH lending program.

The underwriter is required to stay abreast of trends within the SH industry such as changes in consumer behavior, product offerings of competitor loan programs, and the trends of dealers. The Credit Underwriter will inform management of potential impacts to business quality and quantity.

If you have underwriting experience, you should apply right away!

Highlights:

• Analyze credit applications and render decisions within established guidelines and credit authority; evaluating such factors as debt-to-income, loan-to-value ratios, credit reports, employment, income, collateral, payment-to-income, term, etc. to determine the capability and capacity of the applicant
• Make recommendations for loan approvals that exceed established authority and forward them to the Portfolio Manager for concurrence
• Communicate course of action taken, judgments for decision, notating system records for exceptions, and forwarding to the Portfolio Manager
• Maintain strong relationships with dealer’s key finance employees and management teams to ensure department efficiency and quality objectives are achieved
• Maintain up-to-date knowledge of credit policies, procedures, and guidelines for Credit Human    

Experience:

    Required

• A minimum of two years (2) experience in consumer lending

    Preferred

• Some indirect experience preferred

Education:

    Required

• Minimum high school graduate

    Preferred

• Some college preferred

Skills & Knowledge:

    Required

• The role will require an understanding and application of theoretical credit scoring models, human behavior, character, and market trends gained through several years of credit underwriting experience in consumer lending
• This role combines the technical knowledge of indirect consumer lending with salesmanship to build reports and deepen relationships with dealers
• Excellent communication skills are needed with the ability to remain objective in working closely with others to build consensus and foster collaboration among departments as needed.

Schedule: Monday-Friday, 1:00 pm -10:00 pm

Salary:  $63,167 to $68,507 Annually 

Flexibility: On-site, in office; not remote or hybrid

Level of Work: 2B

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.