Entry-Level Underwriter

Mariner Finance
Baltimore, MD
Oct 19, 2021
Oct 21, 2021
Accountant, IT
Full Time
Job Title - Entry-Level Underwriter Job Location - White Marsh, MD Start A Great Career With A Great Purpose! - We are a group of industry experts with the experience and drive to turn any financial need into a reality. Our mission is to satisfy the financial needs of our consumers through respectful, compassionate and efficient service. A Baltimore-based company, Mariner Finance, with its affiliates, now features over 450 branches in 25 states throughout the United States. We work with customers to find options that are beneficial for their specific needs, which is why we are recognized as the community's consumer finance company of choice! Mariner Finance was named in the 2015 "Best Places to Work" survey, a 2016 LearningElite Winner and a 2018 Training Top 125 Winner. In This Role, You Will Underwrite credit applications according to Mariner Finance lending policy and extends credit to branch customers through a variety of lending programs; stays up to date with the lending policy and any changes that are made. Assist the Central Credit Manager with administrative work for existing and potential customers; complete reports, initiate contact with branches at Manager's direction to acquire additional financial information and communicate/resolve issues. Approve exceptions to policy as authorized by Central Credit Manager based on nature of exception, customer needs and related factors. Provide service to internal and external customers as needed, and resolve service and policy related situations for customers with exceptional timeliness, accuracy and professional courtesy. Analyze customer documents and additional verifications when necessary. In manager's absence, coordinate functions and daily operational issues through communication with Assistant Vice President of Centralized Credit. Additional duties and responsibilities may apply. Qualifications Required Completion of an Associate's Degree (or two (2) years of college course work) in a discipline such as business, accounting, marketing, finance, administration, economics o Acceptable substitutions for college course work include: Recent (within past three (3) years) successful completion of a lending training program or other closely aligned course of study Four (4) years of related experience in a sales/and/or financial services industry Minimum of two (2) years of experience underwriting personal loans. Knowledge of lending and fair practice and ethics in consumer finance required. Exceptional customer service, interpersonal, and communication skills. Strong analytical, organizational, and time management skills. Strong decision-making and problem solving skills. Proficient in Microsoft Outlook, Excel, and Word. Ability to work within a schedule that may fall within the following times: o Monday: 12:30 - 8:30pm o Tuesday: 12 - 10pm o Wednesday: 12:30 - 8:30pm o Thursday: 12:30 - 8:30pm o Friday: 12 - 8:30pm Physical Demands - While performing the duties of this job, the employee is frequently required to drive; sit; use hands to handle; reach with hands and arms; and talk or hear. The employee must occasionally lift or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Salary - Base + Competitive Bonus, Benefits: Health, Vision, Dental, Basic Life, PTO and select federal holidays, 401K and company match, HQ Engagement Activities. Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, sex, marital status, age, religion, national origin, sexual orientation, disability, or status as a disabled or Vietnam era veteran. Drug/Alcohol/Smoke-free workplace. INDHQO