Consumer Finance Underwriter

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At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations and having a strong commitment to diversity and inclusion. As Consumer Finance Underwriter you will be responsible for all consumer direct non-real estate loans, including the processing, underwriting, and closing of applications that are delivered through the Bank's online and in-branch channels. You will work closely with the AVP Consumer Finance Manager and operate within an established set of policies and procedures.

Key Result Areas:

• Underwrite loan applications delivered through branch and online channels in a timely manner.
• Ensure loans are underwritten to policy guidelines and procedures including lending decisions.
• Confirm required documentation and tracking items including but not limited to credit, income, and collateral documentation are satisfactory and meet applicable guidelines and procedures.
• Review adverse actions letters to ensure accuracy.
• Make sure loan applications are completed accurately by branch personnel, collaborating with retail banking partners to execute best practices to meet established customer experience levels.
• Provides prompt attention to LOS queue and turnaround time on all loan applications including online applications. Assign online applications to branch personnel promptly with applicable tracking items.
• Regularly review the Consumer NRE mailbox and utilize as a daily work queue to ensure underwriting completion of all loans in a timely manner.
• Prepare closing documents within LaserPro and ProSign for E-Signature.
• Prepare Credit packages for Loan Servicing to fund the loan.
• Enter all closed auto loans in the Dealertrack title management system and perform monthly title tracking and research as needed.
• Maintain and update Consumer Finance Intranet Page with related changes and information.
• Demonstrate the organization's service commitment during all customer and internal employee interactions.
• Act as back up Administer for system maintenance, updates, and user controls for LOS, POS and supporting functions.
• Make recommendations related to business operations/processes to improve the end user experience Perform other duties as assigned.

Qualifications:

• High School Diploma
• Knowledge of regulations and compliance with respect to consumer non-real estate lending
• Attention to detail and accuracy
• 4+ years of consumer non-real estate underwriting experience
• Excellent analytical skills, with the ability to analyze documents, such as but not limited to paystubs, tax returns, credit reports, purchase and sales agreements, insurance binders, etc.
• Excellent written and oral communication skills, with the ability to clearly support loan decisions being made.
• Excellent organizational and time management skills
• Strong computer skills
• Knowledge of nCino, LaserPro, ProSign Online and Dealertrack

The above description covers the most significant major responsibilities but does not exclude other occasional responsibilities and accountabilities the inclusion of which would be in conformity with the major purpose of this job.

Location:

Hybrid/Waltham, Massachusetts

About Cambridge Savings Bank:

Cambridge Savings Bank is a full-service banking institution with over $6 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers, and the communities we serve. One of the oldest and largest community banks in Massachusetts, Cambridge Savings Bank offers a full line of individual and business banking services across a robust Massachusetts-based branch network and through digital banking solutions for commercial, small business and consumer customers. In March 2025, Kroll Bond Rating Agency affirmed CSB's investment-grade rating, reinforcing the bank's position as a reliable business lender. To learn more about how CSB can meet your needs, visit us at cambridgesavings.com, or better yet, come meet us to help you make the most out of your banking relationship. Member FDIC. Equal Housing Lender. NMLS # 543370

Cambridge Savings Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. We are a VEVRAA Federal Contractor.

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