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We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Abilene, Texas, United States

SCOPE/CONTACTS: 

Incumbent has extensive contact with the company's lending and loan support staff.  The incumbent must have the ability to express him/herself in a clear and concise manner.  Under the general direction of the Consumer Analyst Manager, the incumbent performs key underwriting functions on consumer real estate loan applications.  Incumbent also evaluates the degree to which underwriting functions performed by others satisfy the requirements of Regulation Z.  The incumbent underwrites the applicant(s) ability to repay the requested loan by performing certain critical calculations on income figures provided by the applicant and verified from other sources.  The incumbent also evaluates the effectiveness of other underwriting procedures based on the documentary evidence in the file.  Such procedures include assessments of the borrower's credit history, verification of past, current and future employment, the sufficiency of documentation, and compliance with applicable Bank policy and regulatory requirements.  Throughout this process, the incumbent must maintain close communication with the loan officer, applicable members of the lending staff, mortgage loan processors and loan document preparation personnel.  The incumbent must be able to function efficiently and effectively under deadlines and stress while maintaining a professional and mature demeanor.  Incumbent must exercise independent judgment and decision-making in routine situations within established guidelines.

ESSENTIAL FUNCTIONS:  

• Perform underwriting duties required to effectively analyze the borrower’s ability to repay.
• Verify supporting loan documentation. 
• Advise applicable lending officers as to the degree to which the loan, if approved, will satisfy regulatory and applicable Bank policy requirements. 
• Stay current with all applicable regulations and guidelines.  
• Other duties and special projects as assigned.
• Actively understands and supports the Customer Service First sales and service culture and the values of the organization. Follows established Bank policies and procedures.

MINIMUM QUALIFICATIONS:     

• Strong analytical, auditing and interpretive skills from multiple sources are needed which can be communicated by above average written and verbal communication skills. 
• Thorough documentation, organizational and underwriting skills are needed with the ability to analyze financial statements, tax returns and credit reports. 
• Understanding of mortgage loans, regulations governing mortgage lending with an emphasis on Regulation Z with a working knowledge of underwriting is preferred. 
• College degree with major in accounting, finance or general business preferred or must have minimum of three years of accounting, finance or underwriting experience. 
• Must be proficient in Microsoft Word and Excel.  

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)