Consumer Underwriter I

Heartland Bank and Trust Company•Bloomington, MN

20h•$20 - $27

About The Position

A Brief Overview The Consumer Underwriter I makes decisions on consumer loans and credit cards that have been submitted for credit approval and risk assessment. Assesses the borrower's financial situation, credit history, and ability to repay the loan based on guidelines provided by the Bank. What you will do Review consumer loan and credit card applications within the department's established timelines. Demonstrate the ability to independently make and communicate sound decisions based upon Bank policies, knowledge, and experience. Manage multiple tasks and respond to pressure and change with poise and confidence. Provide clear and concise loan decisions to the retail banking staff. Build approved credit card applications in the processing system to send card and disclosures to customers. Other Qualifications/Requirements Possess understanding of the regulations which impact Consumer Underwriting and Credit Card Department and working in compliance with those. H.S. Diploma or GED and minimum 1 year underwriting - consumer lending preferred or equivalent combination of education and experience. Who We Are Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders. Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day. What We Offer At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click here to learn more about what benefits we have to offer. Physical Demands Regularly: Sitting, Feeling/Touching, Talking, Hearing, Vision - close peripheral, depth Frequently: Standing, Walking, Grasping/Reaching - with arms and hands, Repetitive Motions Occasionally: Climbing and/or Balancing, Stooping, Kneeling, Crouching, and/or Crawling, Lifting (30 lbs.) Equal Opportunities and Accommodations Statement Heartland Bank is deeply committed to creating a workplace where inclusion is not only valued but prioritized. Were proud to be an equal opportunity employer, seeking to create a welcoming and diverse environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, family status, marital status, sexual orientation, national origin, genetics, disability, age, or any other non-merit based or legally protected grounds. Salary Disclaimer The salary range represents the range of possible compensation at the time of posting. Heartland Bank considers several factors when extending an offer, including but not limited to, the role and associated responsibilities, a candidates work experience, education/training, key skills, and internal equity. The salary range minimum, midpoint, and maximum listed above represent a full range of career compensation growth over time in this position and pay grade. Starting pay typically starts between minimum and midpoint upon hire. The Bank offers compensation growth opportunities within its career architecture.

Requirements

Possess understanding of the regulations which impact Consumer Underwriting and Credit Card Department and working in compliance with those.
H.S. Diploma or GED and minimum 1 year underwriting - consumer lending preferred or equivalent combination of education and experience.

Responsibilities

Review consumer loan and credit card applications within the department's established timelines.
Demonstrate the ability to independently make and communicate sound decisions based upon Bank policies, knowledge, and experience.
Manage multiple tasks and respond to pressure and change with poise and confidence.
Provide clear and concise loan decisions to the retail banking staff.
Build approved credit card applications in the processing system to send card and disclosures to customers.