Underwrite consumer, mortgage, business, and commercial loan applications by analyzing credit reports, financial statements, tax returns, income, collateral, and borrower risk. Make approval, denial, or counteroffer decisions; document rationale; communicate stipulations; identify fraud concerns; maintain regulatory compliance; manage the loan pipeline; support audits; and recommend policy improvements.

Originates residential mortgage loans, consults with borrowers, evaluates applications and financial documentation, coordinates underwriting and closing, manages the loan pipeline, develops referral relationships, and ensures compliance with lending regulations while meeting production targets.