Trustmark National Bank Looking for Direct Consumer Underwriter I at Pearl, Mississippi Full Time

The purpose of this job is to review and evaluate consumer loan applications in a centralized underwriting environment and render approval or denial decisions based upon bank policy, underwriting guidelines, and related state and federal regulations.

+ Approve, decline, or conditionally approve consumer loan applications and provide supporting documentation

+ Perform analysis of each credit transaction by reviewing the credit score, ability to repay, collateral, structure, personal liquidity, and other relevant factors

+ Prepare loan recommendations for the HMDA Retail Second Review Committee

+ Ensure compliance with all Bank regulatory requirements

+ Interact with Loan Officers to gather the information necessary to analyze each loan application

+ Perform additional duties as assigned.

+ Four-year college education OR High School Diploma with two years of direct consumer underwriting experience

+ Basic knowledge of consumer credit analysis with work experience in consumer lending

+ Basic knowledge of bank lending policies and related regulatory requirements

+ Basic knowledge of credit scoring principles and principles of finance

+ General knowledge of loan documentation and lien perfection requirements

+ Communication skills

+ Basic Computer skills

+ Interpersonal skills

+ Working knowledge of Action Underwriting System

+ Basic knowledge of Trustmark Consumer Credit products

+ Working knowledge of Microsoft Office applications

ID: 23

FLSA Status: Exempt

Working Hours (ie. 8-5 or 10-2): 8am – 5pm

External Company Name: Trustmark National Bank

External Company URL:

Street: 201 Country Place Pkwy

Telecommute: No