Retail Loan Processor/Underwriter I

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 Do

• Review 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

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.