Retail Underwriter First International Bank & Trust Fargo

Job Title : Retail Underwriter
Date : 31 July 2021
Company : First International Bank & Trust
City : Fargo

First International Bank & Trust Hiring 2021 - First International Bank & Trust need a new employee to fill Retail Underwriter that will be placed in Fargo.

First International Bank & Trust Recruitment 2021

Detail of : Retail Underwriter Job Openings in Fargo

First International Bank and Trust is recognized eight years in a row for being a Top 50 Best Places to Work isn’t just an award placed on the shelf. It speaks to the teams of colleagues who are dedicated to create extraordinary experiences based on the philosophy treating every customer like family.

Please see below for additional information regarding the Retail Underwriter position submit your online application!

Position Summary: Under the direction of the Underwriting Manager review, analyze and decision all vehicle, personal loan, credit card and home equity line of credit application within the bank’s guidelines. Review financial statements, credit reports, debt-to-income, LTV (loan-to-value), and other underwriting factors to provide the customer the best product available for their needs.

Essential Duties and Responsibilities include the following, as well as other duties as assigned:

  • Work with underwriting team and manager to ensure all service level agreements (SLA) are met.
  • Meets or exceeds the expectations established for reviewing loans that route to the underwriting review queues.
  • Provides underwriting support to all offices from a centralized environment.
  • Works with Personal Bankers/Universal Bankers/Private Bankers to ensure adequate documentation and information is received to underwrite the application.
  • Corresponds with banker to resolve questions regarding application information.
  • Responsible for reviewing, analyzing, underwriting and approving or denying individual consumer requests and products within company and industry guidelines.
  • Analyzes loan applications, financial status, credit bureau reports, collateral, existing account data, income documentation and other loan documentation in order to determine feasibility of granting loan so consistent, sound lending decisions are made.
  • Communicates directly with Personal Bankers, Universal Bankers, Private Bankers on loan decisions and clearly explains reasons for stipulated loan decisions to mitigate the risk associated with the application.
  • Coach and mentor peers and branch staff to ensure accurate and complete applications are being submitted to the underwriting team and consistent underwriting is maintained.
  • Recommend any cross sale opportunities back to the branch staff.
  • Communicate any area of concern, trends, and potential fraud to management.
  • Remains current on policy or procedural changes and new product offerings.
  • Assists with various projects and assignments as needed.
  • Responsible for confidentiality including protection of sensitive information and its integrity in compliance with information security and departmental policies, standards and procedures. Responsible for reporting events including suspicious activity as well as cooperating with all investigations.
  • Comply with federal, state, and company policies, procedures, internal controls, and regulations.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience: Bachelor's degree (B. A.) from four-year college or university is preferred. Two to four years related experience and/or training; or equivalent combination of education and experience is required. 2+ years of Retail and HELOC underwriting experience is required; 5+ years retail and HELOC processing and servicing preferred.


If your qualification is matched with the requirement above, please submit your online application directly through First International Bank & Trust system at :



Notes :

  • Only qualified candidates that meet with the above requirements would be processed in this recruitment.
  • Only candidates that meet the above qualification will be shortlisted.

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