Indirect Lending Underwriter in Pensacola, Florida at Gulf Winds Credit Union

About Gulf Winds

Service Beyond Banking - At Gulf Winds, we are forward-thinking and team-oriented. We recognize and reward service that exceeds our members’ expectations and, most importantly, have fun while working hard and impacting our community. We’re looking for driven professionals who are passionate about service, fueled by purpose, and guided by core values of Integrity, Care, Growth, and Innovation

Our Values

Integrity

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth

We set ambitious goals, provide personal development opportunities, and encourage results.

Innovation

We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

We Invest in Our People

We offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Benefits include 11.5 paid federal holidays, PTO starting at 18 days for new hires, 16 hours of paid volunteer time, competitively priced medical insurance, and dental and vision coverage with 100% of individual premiums paid by Gulf Winds. Team members also receive employer-paid life insurance, short-term disability coverage, a 401(k) with company match, an employer-funded pension plan, flexible spending accounts, tuition reimbursement, and wellness programs.

Working at Gulf Winds

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

Role:

The primary function of this position is to analyze loan application information submitted through the Indirect Channel. Position is responsible to make decisions on loan requests with designated approval authority and based on current underwriting policy and procedures. Position will also cross train with Direct Lending. In addition, they will establish relationships and maintain a professional rapport with the auto dealers of the indirect lending program.

Essential Functions & Responsibilities:

20% Ensure compliance with Gulf Winds Credit Union policy and procedures.

20% Build and strengthen professional rapport with dealers in the indirect program by effectively communicating credit decisions and providing prompt dealer service verbally and in writing. Follows up with dealers to resolve problems and/or respond to inquiries.

20% Communicate credit decisions to the dealer in a timely manner.

15% Demonstrate strong analytical skills and sound underwriting judgment.

10% Analyzes a loan applicants credit worthiness; reviews credit bureau reports and score; verifies information included on loan application and makes the determination to approve or deny a loan.

10% Offers guidance and assistance with loan building, credit interpretation, credit union policies and procedures to other staff members as needed.

5% Responsible for compliance with Federal regulations including Bank Secrecy ACT (BSA) and Office of Foreign Assets Control (OFAC).

Performance Measurements:

1. Effectively makes sound underwriting decisions in accordance with established policy and guidelines.

2. Effectively communicates the loan decision to the dealership in a profession and courteous manner.

3. Builds and strengthens rapport with the dealer through strong communication skills.

4. Effectively documents loan decisions to demonstrate why the application was approved or denied.

5. Meets and exceeds expectations during quality audit process.

6. Complies with all applicable rules, regulations and policies, including but not limited to BSA, OFAC and Physical Security.

Knowledge and Skills:

Experience One year to three years of similar or related experience.

Education (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills Strong listening skills, excellent member service skills, comfortable asking questions and identifying needs to expand the member relationship. Excellent PC skills, proficient in Windows and Microsoft Office programs. Individual must be bondable. Must have a track record of working effectively in a team environment and building solid relationships. If selected, must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks.

Physical Requirements Ability to work lending hours which may include weekends and evenings.

Work Environment The position is based in-office in our Pensacola, FL market, operates primarily in an office setting, and routinely uses standard office equipment such as computers, printers, and phones. This position requires consistent presence in the office to effectively collaborate with team members and fulfill job responsibilities. It requires the ability to actively participate in conference calls and meetings with other Credit Union team members and vendors. The normal expected work schedule is Monday through Friday, 8:30a.m. to 5:00p.m. Occasional after-hours work or travel may be required to meet project deadlines or attend conferences, seminars, or client meetings. Must adhere to safety rules and regulations.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer and Drug Free Workplace