Consumer Underwriter I (Full Time) - Lubbock, Ave Q Annex

About this role

• **External Applicants: Please apply through Prosperity Bank's Career Center at** https://www.prosperitybankusa.com/Careers**.** **Applying through any other source may prevent Prosperity from receiving your application.** **Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.
• Prosperity Bank is an Equal Opportunity Employer.** **POSITION PURPOSE** To review and underwrite consumer purpose loans: * Identifies, analyzes, and evaluates loan risks and compensating factors * Approves, suspends, or denies loan applications * Determines eligibility and problem solves to provide customers with alternative solutions * Ensures that loans are approved within the terms of the Bank's standards and procedures, regulatory underwriting guidelines **ESSENTIAL FUNCTIONS AND BASIC DUTIES** **Assumes responsibility for accurately evaluating the credit worthiness of potential borrowers.** Evaluates the adequacy of the applicant's income and probability that the customer will be able to meet expected financial obligations.
• Reviews the manner which obligations have been met and financial affairs managed.
• Completes all underwriting functions in accordance with various program requirements.
• Understands Bank's loan policy and identify exceptions and non-compliance with loan while performing credit underwriting.
• Stays informed regarding bank loan policy, changes in lending standards and related legal requirements.
• Ensures that the Central Credit Underwriting maintains an acceptable if not exceptional service level.
• **Assumes responsibility for establishing and maintaining effective communication and coordination with Bank personnel and with management.** Assists and supports Bank personnel as needed.
• Answers questions of loan personnel regarding policies and procedures.
• Attends and participates in meetings and committees as required.
• Keeps Central Credit Underwriting Manager informed of area activities and of any significant problems.
• Reports technical problems to appropriate personnel for investigation and to prevent re occurrence of problems.
• **Assumes responsibility for related duties as required or assigned.** Maintains and updates knowledge of underwriting requirements and policies.
• Stays informed of modifications and updates in software applications.
• Keeps work area clean, secure, and well maintained.
• Provides suggestions for improvements in underwriting policies and procedures.
• **Skills/Abilities:** Excellent communication skills.

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