The Carter Lumber Underwriting Specialist is responsible for qualifying credit worthiness up to assigned limits not to exceed $150k per credit policy, communicating risk, gathering accurate project information, and maintaining an accurate customer Masterfile. 

Timely and prudently establish customer credit accounts under Credit Policy with the goal of promoting (collectible) salesConduct credit investigations on existing and potential customers, evaluate credit risk and approve or decline credit accounts up to assigned limits in accordance with company policies and excellent judgmentWork closely with customers, field personnel & sales leaders to ensure applications are completed in an acceptable manner with all required data and signaturesPull & qualify personal credit bureaus (Experian & Transunion)Pull & qualify business credit reports (D&B, NACM, Experian Business)Research bank and trade referencesComplete risk analysis summary, assign risk rating and credit limits.Complete new customer set up process for assigned markets:  summarizing data, customer set up, maintaining credit files and welcome/decline lettersMaintain accurate, complete and timely customer masterfiles in Filebound & Credit ServerManage assigned market Customer masterfile, inputs, changes and maintain job account files ensuring data integrityConduct research and process Job account requests.Internet research to county recorder’s & assessor’s officesResearch for building permits and project filingsContact banks to verify available funds and status of construction loansAdd job accounts to existing credit accounts.      Process credit limit increase requests on account and/or job accounts; establish and maintain systematic credit limits for all customers extended creditAnswering personal phone extensions as well as customer service call linesRespond to Credit Reference inquiries.Perform other duties as assigned.Pay: $17-$24/hrThis is an in office role

EXPERIENCE/EDUCATION:

AA degree in Business, Accounting or related field or 1-2 years accounts receivable and underwriting experience in the construction/building material industry highly preferredAbility to read and summarize consumer credit and Dun & Bradstreet reportsExperience granting credit to $150kPrevious collection experience highly valuableWorking knowledge of construction mechanics lien/ bond laws and regulationsUnderstanding of construction contracts and standard project money flow

SKILLS:

Demonstrated proficiency working with Microsoft Word, Excel, and OutlookExercise good independent judgment & discretion, can make decisions and articulate reasoningTakes ownership and accountability for resultsPrioritizes and adheres to established deadlinesQuickly identifies and resolves issues, knows when to “raise the flag” to escalate issuesExcellent verbal and written communication