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Job description
Description:
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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 compliance
Gather and analyze credit reports, income documentation, appraisals, collateral information, and other supporting documents
Evaluate creditworthiness and calculate qualifying ratios to support lending decisions
Underwrite loan requests and prepare approval, counteroffer, or decline recommendations within established authority levels
Prepare disclosures, commitment letters, adverse action notices, and other loan documentation
Manage assigned loan pipelines to ensure timely processing and closing
Order and track appraisals, credit reports, flood certifications, verifications, and other due diligence items
Communicate with borrowers, lenders, vendors, and third-party providers to obtain required documentation and clear loan conditions
Prepare consumer loan documentation and coordinate loan closings
Resolve documentation discrepancies, underwriting concerns, and processing issues
Support compliance, quality control, audit, and reporting activities
Identify opportunities to improve efficiency and enhance the customer experience
Requirements:
What We're Looking For:
Required High school diploma or equivalent
Minimum of two (2) years of experience in banking, lending, loan processing, underwriting, or a related financial services role
Strong analytical, organizational, communication and problem-solving skills
Excellent attention to detail and ability to effectively manage multiple priorities while meeting required deadlines
Preferred Associate's or Bachelor's degree in Business, Finance, Accounting, or a related field
Specialized training in consumer lending, mortgage lending, underwriting, or banking operations
Knowledge of consumer and residential mortgage lending products
Experience processing or underwriting consumer and mortgage loan applications
Why 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 insurance
401(k) retirement plan with employer match
Annual Paid Time Off (PTO) allotment
11 paid holidays annually
Life and disability insurance
Employee Assistance Program (EAP)
Wellness program and gym reimbursement
Professional development and training opportunities
Career growth and advancement opportunities
Working 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.
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Who can apply
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