• At LendingPoint, we believe that everyone deserves to feel the power of possibilities. As an online fintech company, we’ve created advanced consumer, small business, and merchant point-of-sale lending solutions to unlock access to affordable loans and empower those working to build their financial potential. By creating technology that sees your potential, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” More than just a job, LendingPoint is an exciting career choice where you’ll bring your expertise and experience to a talented team focused on providing an exceptional customer experience. Are we speaking about you? Then keep reading.
What’s In It For You?
- Competitive Base Salary
- Excellent Benefits Package That Includes: Medical/Dental/Vision, 401(k) match, Paid Holidays, and more!
- Team Oriented Fast-Paced Fun Environment
- Dedicated and experienced Management Team
- On-going training and investment in our employees
What You’ll Do Day to Day:
Primarily responsible for the underwriting and analysis of all loan requests – reviewing, analyzing, approving and underwriting loans within company guidelines.
ESSENTIAL JOB FUNCTIONS:
· Process and underwrite loan applications through automated underwriting system, which may include approving and funding, following established policies and procedures. · Maintain a culture of quality customer service at all points of contact with LendingPoint, LLC customers. · Analyze applicants’ financial status (i.e. financial statements, tax returns. Etc.) and credit to determine feasibility of granting loans. · Obtain and compile copies of loan applicants' credit histories, and other financial information in a timely manner. · Enter customer and account data by inputting alphabetic and numeric information on keyboard or optical scanner according to screen format. · Contact credit bureaus, employers, and other sources to confirm applicant’s credit and references. · Communicate with applicants to obtain information for loan applications and to answer questions about the process, as needed. · Request any additional information in order to complete the loan decision. · Contact sales and appropriate operations staff to discuss missing items or questions pertaining to the loan request and make sure all conditions are met. · Perform quality control check of data to ensure information is correct. · Ensure loan documents are accurate, complete, and compliant with company policies. · Render application decisions and communicate the final decision to the appropriate sales staff. · Meet personal/team targets/goals/quotas · Maintain customer confidence and protect operations by keeping information confidential.
OTHER JOB FUNCTIONS:
- Must be able to work weekends, as needed.
MINIMUM QUALIFICATIONS:
· High school diploma or equivalent required · 2-4 years’ experience in underwriting, preferred
- Sales force experience, preferred.
- Proficient at pipeline management with an emphasis on organizational and multitasking skills.
· Proficient in MS Office Suite
- Familiar with CRM systems and practices