Hudson Valley Credit Union is currently recruiting for the position of Consumer Loan Underwriter I. Primary Function: Hudson Valley Credit Union is currently recruiting for the position of Consumer Loan Underwriter I. Primary Function: make independent loan decisions by approving, denying and counter-offering consumer loans in accordance with loan policies and guidelines.

• Underwrite consumer loans including Home Equity applications in accordance with Credit Union loan policies and guidelines. This includes using high-side and low-side overrides at the discretion of the Underwriter. Offers counseling when appropriate. Documents loan exceptions thoroughly.
  
• Ensure that documents required by Truth in Lending and RESPA are issued in accordance with current regulations.
  
• Responsible for data integrity in all consumer loan systems.
  
• Perform follow-up, compile and authenticate the required documents needed to support all consumer loans including Home Equity applications
  
• Request appropriate services required for new Home Equity applications.
  
• Handle member interactions and internal customers over the phone, in writing or in person in a timely, professional manner.
  
• Maintain satisfactory level of technical knowledge and professional skill to keep up with current developments and changes in regulations.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
• Minimum 1 year of Underwriting experience in consumer lending preferred

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. This is exemplified through our awards-winning benefits package, opportunities for professional advancement, commitment to diversity, equity inclusion amongst employees and focus on bettering our community through charitable donations & volunteer hours!

Employee Perks:

• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Flexible Spending Account (medical & dependent care)
• Life, Short-Term, and Long-Term Disability Insurance
• Employee Assistance Program
• Educational Assistance Program; Student Loan Repayment & Tuition Reimbursement
• HVCU University & Academy; professional development training
• Discounted Loan Rates & Fees 

Diversity Commitment:

“At HVCU, we recognize that our greatest strength comes from the diversity of our team, the members that we serve, and our communities. We are committed to upholding our values of Diversity, Equity, and Inclusion in everything we do. We celebrate and embrace what makes each of us different and foster an environment where everyone feels like they belong.”

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
• Minimum 1 year of Underwriting experience in consumer lending preferred

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. This is exemplified through our awards-winning benefits package, opportunities for professional advancement, commitment to diversity, equity inclusion amongst employees and focus on bettering our community through charitable donations & volunteer hours!

Employee Perks:

• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Flexible Spending Account (medical & dependent care)
• Life, Short-Term, and Long-Term Disability Insurance
• Employee Assistance Program
• Educational Assistance Program; Student Loan Repayment & Tuition Reimbursement
• HVCU University & Academy; professional development training
• Discounted Loan Rates & Fees 

Diversity Commitment:

“At HVCU, we recognize that our greatest strength comes from the diversity of our team, the members that we serve, and our communities. We are committed to upholding our values of Diversity, Equity, and Inclusion in everything we do. We celebrate and embrace what makes each of us different and foster an environment where everyone feels like they belong.”

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Underwrite consumer loans including Home Equity applications in accordance with Credit Union loan policies and guidelines. This includes using high-side and low-side overrides at the discretion of the Underwriter. Offers counseling when appropriate. Documents loan exceptions thoroughly.
  
• Ensure that documents required by Truth in Lending and RESPA are issued in accordance with current regulations.
  
• Responsible for data integrity in all consumer loan systems.
  
• Perform follow-up, compile and authenticate the required documents needed to support all consumer loans including Home Equity applications
  
• Request appropriate services required for new Home Equity applications.
  
• Handle member interactions and internal customers over the phone, in writing or in person in a timely, professional manner.
  
• Maintain satisfactory level of technical knowledge and professional skill to keep up with current developments and changes in regulations.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Business Loan Processor II. Primary Function: preparing business loan documents, interacting with lenders, attorneys and appraisers. Primarily focused on the more complex and/or time sensitive business loan files relying on extensive business lending processing experience to make sound decisions and recommendations. Coordinating business loan closings and maintaining documentation software. Uploading business loan information into system and funding loans. Provide service to internal and external member requests.

• Prepare business loan documents according to approval; coordinate business loan closings; determine what fees have been paid and/or are due prior to closing; clear conditions of loan commitments and clear loans for closing; upload business loans into system; co-ordinate funding of business loans.
  
• Process and monitor construction loan advances including ordering title reports, review monitoring reports and making sure all conditions are met.
  
• Engage with legal counsel and other outside vendors (appraisers, environmental companies etc.) to fulfill business loan approval requirements. Coordinate commitment letter preparation, issuance and processing.
  
• Prepare ongoing various reports for senior management and business services staff, including maintaining the business pipeline report.
  
• Perform both pre and post-closing quality control; ensuring that all business loans are accurate and in compliance with policies and regulations. Perform ongoing data maintenance to loans on system.
  
• Reconcile GL accounts and process invoices and checks received for various business lending functions. Ensure vendor information is updated and maintained.
  
• Maintain and update commercial loan documentation, including updates and revisions to Laserpro documents.
  
• Achieve goals assigned to the Business Loan Processor II as part of the assigned departments’ annual operating plan. To include initiating and implementing process improvements to enhance member experience and increase department efficiencies.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
• Associate’s Degree preferred
• Minimum 5 Years Commercial/business loan processing experience experience required

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. This is exemplified through our awards-winning benefits package, opportunities for professional advancement, commitment to diversity, equity inclusion amongst employees and focus on bettering our community through charitable donations & volunteer hours!

Employee Perks:

• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Flexible Spending Account (medical & dependent care)
• Life, Short-Term, and Long-Term Disability Insurance
• Employee Assistance Program
• Educational Assistance Program; Student Loan Repayment & Tuition Reimbursement
• HVCU University & Academy; professional development training
• Discounted Loan Rates & Fees 

Diversity Commitment:

“At HVCU, we recognize that our greatest strength comes from the diversity of our team, the members that we serve, and our communities. We are committed to upholding our values of Diversity, Equity, and Inclusion in everything we do. We celebrate and embrace what makes each of us different and foster an environment where everyone feels like they belong.”

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
• Associate’s Degree preferred
• Minimum 5 Years Commercial/business loan processing experience experience required

Click here to view full job description

Why choose HVCU?

HVCU cares for our employees, members, and community. This is exemplified through our awards-winning benefits package, opportunities for professional advancement, commitment to diversity, equity inclusion amongst employees and focus on bettering our community through charitable donations & volunteer hours!

Employee Perks:

• Medical, Dental, and Vision coverage (coverage starting as low as $20 per month)
• 401(k) with employer match and non-elective employer contribution
• Paid time off (PTO), holidays, and community volunteer time
• Flexible Spending Account (medical & dependent care)
• Life, Short-Term, and Long-Term Disability Insurance
• Employee Assistance Program
• Educational Assistance Program; Student Loan Repayment & Tuition Reimbursement
• HVCU University & Academy; professional development training
• Discounted Loan Rates & Fees 

Diversity Commitment:

“At HVCU, we recognize that our greatest strength comes from the diversity of our team, the members that we serve, and our communities. We are committed to upholding our values of Diversity, Equity, and Inclusion in everything we do. We celebrate and embrace what makes each of us different and foster an environment where everyone feels like they belong.”

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law.

• Prepare business loan documents according to approval; coordinate business loan closings; determine what fees have been paid and/or are due prior to closing; clear conditions of loan commitments and clear loans for closing; upload business loans into system; co-ordinate funding of business loans.
  
• Process and monitor construction loan advances including ordering title reports, review monitoring reports and making sure all conditions are met.
  
• Engage with legal counsel and other outside vendors (appraisers, environmental companies etc.) to fulfill business loan approval requirements. Coordinate commitment letter preparation, issuance and processing.
  
• Prepare ongoing various reports for senior management and business services staff, including maintaining the business pipeline report.
  
• Perform both pre and post-closing quality control; ensuring that all business loans are accurate and in compliance with policies and regulations. Perform ongoing data maintenance to loans on system.
  
• Reconcile GL accounts and process invoices and checks received for various business lending functions. Ensure vendor information is updated and maintained.
  
• Maintain and update commercial loan documentation, including updates and revisions to Laserpro documents.
  
• Achieve goals assigned to the Business Loan Processor II as part of the assigned departments’ annual operating plan. To include initiating and implementing process improvements to enhance member experience and increase department efficiencies.
  
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.