Job: Mortgage Underwriter

Jobing Description

Description

General Job Description:

Underwrites residential loans ensuring compliance with appropriate company and secondary market investor standards. Examines loan documentation for accuracy and completeness. Works with loan originator or production staff to secure all required documents. Works with more senior underwriters on loan exceptions. Have authority to withdraw and decline loans. May be involved in one or several types of mortgage lending (conventional, government-backed, etc..) This job code includes all levels of underwriting authority and exception levels. May respond to individual and investor audits.

Specific Job Description:

Underwrites residential loans ensuring compliance with appropriate company and secondary market investor standards. Inputs relevant information to the system and contacts the customer/banking center associate/account executive with decision. Reviews loan documentation for accuracy and completeness. Works with more senior underwriters on loan exceptions. May be involved in one or several types of mortgage lending (conventional/DU/Low to Moderate Income, etc.). May respond to individual and investor audits.

This position may be subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE ACT requirements. If at any time the Bank determines that your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.

Qualifications

Required Skills:

* 2 years or more underwriting experience preferred.
* Knowledge of DU preferred.
* Proven negotiation and communication skills.
* Must show strong capacity to address credit related issues and points of risk to ensure that underwriting meets quality assurance standards.
* Familiarity with Secondary Market requirements.
* Available to work extended hours as business need requires.

Desired Skills:

* Bilingual-Spanish preferred but not required
* EDGE / StatusMart knowledge a plus.

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