Loans
How to Apply
Please email your resume to hr@regionsfs.com.
Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
Proven experience as a loan underwriter, credit analyst, or in a similar financial role.
Strong knowledge of credit principles, lending practices, and financial analysis.
Excellent analytical and problem-solving skills with a keen attention to detail.
Ability to work independently and manage a pipeline of applications efficiently.
Strong communication skills, both written and verbal.
Proficiency in loan origination software and Microsoft Office Suite.
Experience underwriting specific types of loans (e.g., small business loans, unsecured personal loans, auto loans, etc.).
Knowledge of local market trends and economic factors.
Relevant industry certifications (e.g., Compliance or Micro Credit Act.)
If you are a highly analytical and meticulous professional with a passion for finance, we encourage you to apply for this key role.
Qualifications
Application Analysis: Review and verify all information submitted by applicants for personal or business loans.
Credit Assessment: Analyze credit reports, financial statements, tax returns, and other supporting documents to evaluate an applicant's ability to repay the loan.
Risk Evaluation: Assess risk factors, including credit history, debt-to-income ratio, collateral valuation, and market conditions.
Compliance: Ensure all loan files and decisions comply with company policies, state and federal regulations, and lending guidelines.
Decision Making: Approve, deny, or recommend loan applications based on a comprehensive analysis of the applicant's financial profile and the associated risk.
Communication: Clearly communicate with loan officers, processors, and applicants to gather additional information or explain underwriting decisions.
Documentation: Maintain accurate and well-organized loan files with thorough notes and justification for all decisions.
Responsibilities
A Loan Underwriter is responsible for evaluating and analyzing loan applications to assess risk and determine an applicant's creditworthiness. This role involves a meticulous review of financial documents, credit history, and other relevant information to ensure loan requests meet established lending criteria and regulatory standards. The ideal candidate is detail-oriented, analytical, and possesses a strong understanding of financial statements and risk assessment.
Job Description
Loan Underwriter
Full-Time
Kingston, Jamaica