Job Information
Truist Lightstream Underwriter 1 - San Diego, CA in San Diego, California
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Regular or Temporary:
Regular
Language Fluency: English (Required)
English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
Review and evaluate LightStream applications with loan amounts requested up to $25,000 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.
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.
Must be able to analyze information received from the loan application and credit reporting agency in order to assess the applicant’s character, capacity and credit history to judgmentally determine the applicant’s ability to repay the loan.
Provides prompt and efficient review of verification documents for accuracy and legitimacy. Clearly notates reasons for verification pass or fail. May require the client resubmits documentation if it does not verify.
Identifies and escalates document manipulation concerns and fraud risk concerns to Lead or Manager.
Must have a basic understanding of fraud mitigation procedures in order to prevent approving a fraudulent loan application.
Must be able to analyze loan applications and make decisions within target response service levels and meeting LightStream’s credit and operational risk tolerances.
Make outgoing calls and receive incoming calls to the Underwriter phone lines.
Work closely with Underwriting, Account Services and Fraud teammates to resolve any questions to ensure a quick response time for customers.
Must adhere to KPI standards for Underwriters at this level.
Meet/exceed monthly performance requirements as evidenced by Ongoing and QC Reviews
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.
Bachelor’s Degree
Proven mastery of the LS Underwriter Junior job responsibilities or equivalent Underwriting experience
Ability to work in a fast-paced, multitasking, and team-oriented environment
Strong verbal and written communication skills
Ability to focus on tasks at hand, interpret information logically to solve problems, and answer questions via phone and email appropriately
Ability to provide clients and teammates with excellent service
Preferred Qualifications:
Call Center Experience
Customer Service Experience
Underwriting or Loan Processing Experience
The annual base salary for this position is $51,000 - $61,000.
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 supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals 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.
EEO is the Law (https://www.eeoc.gov/sites/default/files/2022-10/EEOC_KnowYourRights_screen_reader_10_20.pdf)
Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_%20English_formattedESQA508c.pdf)
E-Verify (https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf)