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Regular or Temporary:

Regular

**Language Fluency:** English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Review and evaluate Truist applications with loan amounts requested up to $50,000 to determine if the borrower meets established loan eligibility guidelines. Must be able to underwrite all loan purposes and be able to switch quickly between the qualifications of the application versus the need for the purpose. The role provides support, consultation, and credit decisions for both clients and the Consumer Bank’s lending staff.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time.

1.    Must be able to analyze information received from the loan application, income sources, and credit reporting agency to assess the applicant’s character, capacity and credit history to judgmentally determine the applicant’s ability to repay the loan.

2.    Provide assistance and direction to Consumer lenders regarding lending policies, procedures, processes, loan structure and pricing.

3.    Identifies and escalates document manipulation concerns and fraud risk concerns.

4.    Must have a basic understanding of fraud mitigation procedures to prevent approving a fraudulent loan application.

5.    Must be able to analyze loan applications and make decisions within target response service levels and meeting Truist credit and operational risk tolerances.

6.    Make outgoing calls and receive incoming calls to the Underwriter phone lines.

7.    Document and explain justification for all credit exceptions granted.

8.    Must adhere to standards for Underwriters at this level.

9.    Meet/exceed monthly performance requirements as evidenced by Ongoing and QC Reviews

10. The base salary for this position is $50,340 to $103,480.

QUALIFICATIONS

Required Qualifications:

The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Bachelor’s Degree in a business or related field, or equivalent education and related training. One year of branch lending or other lending related administrative areas or equivalent Underwriting experience.

2. Ability to work in a fast-paced, multitasking, and team-oriented environment

3. Strong verbal and written communication skills

4.    Ability to focus on tasks at hand, interpret information logically to solve problems, and answer questions via phone and email appropriately

5.    Ability to provide clients and teammates with excellent service.

6. Knowledge of income verification via paystubs, tax return analysis, etc.

Preferred Qualifications:

1.    Call Center Experience

2.    Customer Service Experience

3.    Underwriting or Loan Processing Experience

**General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site (https://benefits.truist.com/)

. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._

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