Consumer Lending Branch Auditor jobs in Tampa, FL

When joining USF Federal Credit Union, you can expect to work for a company that:

• Strives to be the most influential partner in our Members’ financial journey.
• Has been recognized with awards such as the “Sterling Governor’s Award for Excellence” and League of Southern Credit Unions & Affiliates “Credit Union of the Year”.
• Has a culture of engagement, growth, process improvement and community volunteerism.

What’s in it for you:

• Competitive pay, robust incentive programs, 401k matching, Mortgage and Auto Loan discounts
• 4 weeks minimum paid time off work, work anniversary paid time off, 11 paid holidays and 8 hours paid volunteer time off.
• Medical, Dental and vision plans with FSA option. (Employee Only Premiums for Dental and Vision are 100% Credit Union covered).
• 100% Credit Union Paid Short-Term and Long-Term Disability and Life Insurance
• Employee Assistance Program
• Undergraduate and Graduate Tuition Reimbursement
• In-depth New Employee Orientation showcasing Credit Union Values and Vision
• A Think Big culture dedicated to performance excellence and continual growth

Position Summary

Responsible for analyzing consumer loan requests and making credit decisions within granted lending authority and based on established credit union underwriting standards, procedures, and regulations. Underwrites applications via all channels, by reviewing credit reports, application data and collateral, if applicable, to approve, counter offer or deny loan requests. Works with Loan Officers to provide professional and effective feedback/coaching on interviewing and documentation standards as well as loan quality. Ensures decisions are rendered within turnaround time expectations. Offers cross-sale approvals of additional credit union products to meet member needs.

Responsible for meeting scorecard performance standards as well as delivering the highest level of internal and external member service. Assists with departmental projects, training and meetings as requested by lending management.

Maintains a positive attitude and conducts business in a professional manner. Assures that all members, staff and visitors are treated with consideration and respect.

Essential Functions Include:

• Receives and analyzes consumer loan applications from all lending channels. Assesses current financial position of applicants to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, counter offer, decline or forward the loan request to higher levels for decision. Establishes the terms and conditions of an approved loan and reviews them with the Loan Officer.
• Identifies referral and cross-sell opportunities for additional credit union products/services as well as ancillary products.
• Acts as a mentor to junior members of the department and may be asked to assist with training and/or coaching, reporting progress to lending management as needed.
• Handle inbound calls from dealer partners promptly and maintain service level expectations. Supports lending management with regular reporting and analysis of portfolio performance.
• Stays abreast of changes in lending regulations as well as trends and developments with competitors in the industry. Regularly reviews existing lending guidelines and procedures and makes suggestions for improvement as needed to lending management.
• Participates in department meetings, job-specific training as well as sales development activities. Performs other job-related duties as assigned.

Reports to:

Consumer Lending Assistant Manager

Required Education and Experience:

• A high school diploma or G.E.D. required; Bachelor degree preferred.
• Minimum of three (3) years’ experience as an underwriter, or Loan Officer with lending authority, in a financial institution required.
• Experience with Microsoft Word, Power Point, Excel, Outlook, Symitar, Opening Act and Docusign.
• Strong verbal and written communication skills.
• Must be able to work schedules within Monday-Friday 8am-6pm and Saturday 9am-1pm.

Additional Skills:

• Able to prioritize tasks, deal effectively with competing and changing priorities, and meet deadlines. Accurate, detail-oriented, and organized.
• Detailed knowledge and understanding of Credit Union products, services, policies, and procedures. Must demonstrate a functional knowledge and understanding of regulatory compliance necessary to successfully perform job responsibilities.
• Good verbal and written communication skills and interpersonal skills, including phone skills, in order to interact professionally and effectively with members and staff.
• Must be able to work under moderate supervision.
• Must be able to maintain a high level of confidentiality.
• Experience with Microsoft Word, Power Point, Excel, Outlook, Symitar, Opening Act and Docusign.
• Strong verbal and written communication skills.
• Must be able to work schedules within Monday-Friday 8am-6pm and Saturday 9am-1pm.

Work Environment:

Hybrid work schedule – one day a month in office

Physical Requirements:

Sitting frequently, walking occasionally, use of hands frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10lbs of force occasionally to life, carry, push, pull, or move objects.

Position Type/Expected Hours of Work:

Full-Time/40 hours per week

Classification

Non-Exempt

Other Duties

Please note this job description is not a comprehensive list of activities, duties or responsibilities that are required in this position. Duties, responsibilities and activities may change at any time with or without notice.

About Us:

For 65 years, USF FCU has experienced rapid growth and is dedicated to delivering financial solutions to improve our members’ lives. Our success is thrilling, but our core values of excellence, passion, innovation, community, and collaboration mean our relationships with our members and our employees will always be our top priority! We have grown to over 73,000 members and $1.1 billion in assets, robust online and mobile banking, 9 branch locations and thousands of shared branches and fee-free ATMs nationwide.

Our vision is to be the most influential partner in each member’s financial journey.

Our mission is to deliver financial solutions to improve members’ lives.