Job Description
Job Description: Job Description Description: Build Your Banking Career with Reliance Bank Reliance Bank is looking for a customer-focused and detail-oriented Retail Loan Processor/Underwriter I to join our Retail Loan Operations team. This is a full-time, on-site position based at our Corporate Office in Altoona, PA. In this role, you'll partner with our lenders to help our bank customers navigate the loan process while supporting sound credit decisions and ensuring a smooth, efficient lending experience from application through closing. If you enjoy analyzing information, solving problems, collaborating with others, and helping individuals and families achieve homeownership and other financial goals, we'd love to hear from you. What You'll DoReview consumer and residential mortgage loan applications for completeness, accuracy, and complianceGather and analyze credit reports, income documentation, appraisals, collateral information, and other supporting documentsEvaluate creditworthiness and calculate qualifying ratios to support lending decisionsUnderwrite loan requests and prepare approval, counteroffer, or decline recommendations within established authority levelsPrepare disclosures, commitment letters, adverse action notices, and other loan documentationManage assigned loan pipelines to ensure timely processing and closingOrder and track appraisals, credit reports, flood certifications, verifications, and other due diligence itemsCommunicate with borrowers, lenders, vendors, and third-party providers to obtain required documentation and clear loan conditionsPrepare consumer loan documentation and coordinate loan closingsResolve documentation discrepancies, underwriting concerns, and processing issuesSupport compliance, quality control, audit, and reporting activitiesIdentify opportunities to improve efficiency and enhance the customer experienceRequirements:What We're Looking For: RequiredHigh school diploma or equivalentMinimum of two (2) years of experience in banking, lending, loan processing, underwriting, or a related financial services roleStrong analytical, organizational, communication and problem-solving skillsExcellent attention to detail and ability to effectively manage multiple priorities while meeting required deadlinesPreferredAssociate's or Bachelor's degree in Business, Finance, Accounting, or a related fieldSpecialized training in consumer lending, mortgage lending, underwriting, or banking operationsKnowledge of consumer and residential mortgage lending productsExperience processing or underwriting consumer and mortgage loan applicationsWhy You'll Love Working Here: At Reliance Bank, we offer a welcoming work environment based on our core values of Integrity, Growth, Relationships, Community, and Team. We are committed to providing the tools, support, and opportunities our team members need to grow their careers while maintaining a healthy work-life balance. That's why we offer a competitive benefits package designed to support your health, financial well-being, career development and work-life balance. Benefits Include:Medical, dental, and vision insurance401(k) retirement plan with employer matchAnnual Paid Time Off (PTO) allotment11 paid holidays annuallyLife and disability insuranceEmployee Assistance Program (EAP)Wellness program and gym reimbursementProfessional development and training opportunitiesCareer growth and advancement opportunitiesWorking Conditions and Physical Demands:Primarily interior office-based work environment with extensive computer use and detailed document review. Frequent need to observe details at close range.Frequent interaction with customers and internal business partners.Frequent use of hands, wrists, and fingers.Extensive sedentary work; occasional movement throughout the workplace and handling of loan files or materials weighing up to 20 lbs. At Reliance Bank, we are committed to creating an inclusive workplace where team members can thrive and build lasting careers. Reliance Bank is an Equal Opportunity/Affirmative Action Employer committed to maintaining a diverse and inclusive workplace. PI53e3b5d72c70-2067