Job Description

Mortgage Underwriter

We have a tremendous opportunity for a Retail Mortgage Underwriter with a South-West regional bank. This growing, financially sound bank is looking for someone committed to delivering the highest level of customer service, who will take responsibility for resolving issues that could delay a closing, and is a great communicator.  If that’s you, our client would like to talk with you!

Essential Functions

As a Residential Mortgage Underwriter, you will be responsible for accurately and efficiently underwriting and proactively managing a pipeline of residential mortgage loans, maintaining routine and thorough communications with internal employees, business partners, as well as timely follow-up and response.

• Decisions loans within lending authority adhering to bank and investor guidelines and requirements.
• Acts as primary Underwriter for secondary market loans and some portfolio, including blanket, self-employed, and combo loan files.
• Reviews residential mortgage appraisals for compliance within established guidelines.
• Adheres to established service level agreements.
• Occasionally in contact with secondary market investors and private mortgage insurance companies.
• Maintains knowledge of Portfolio, Investor and private mortgage insurance, underwriting guidelines and regulatory requirements.
• Demonstrates a complete understanding and use of Desktop Underwriter for credit decisions on all loans.
• Reviews and analyzes DU Findings on purchase and refinance loans. on all types of loans. This includes restructuring for possible better findings and applicable pricing.
• Communicates with Mortgage Bankers and occasionally contacts Borrowers, Realtors and Settlement Agents, as necessary, as to the status of loan.
• Reviews assembled loan packages for submission to outside Investors and assure that all documentation is complete and accurate.
• Possess the ability to summarize the contents of the mortgage file, determine risk of file and make a recommendation.
• Monitors loan packages forwarded to Investors to ensure timely response.
• Cross sells other bank products and services.

Here is what our client offers:

• A financially sound, future focused, financial institution preparing for the next phase of growth
• An opportunity to join a dedicated group of professionals focused on delivering top-quality services and products
• An opportunity to make a significant contribution and enjoy the impact of your contributions
• A great culture where people enjoy their jobs and treat each other like family

Here is what our client requires:

• Minimum of 2 years of specialized experience as a mortgage processor, underwriter or other area of credit analysis or financial review.
• High school diploma or equivalent basic academic education.
• Thorough knowledge of loan origination systems and related vendor services.
• A great “teammate” able to maintain good working relationship with all bank employees.
• Ability to work independently or as a team player to contribute to the success of the department and in turn the organization.

If this sounds like the opportunity you have been looking for, please apply using the “Apply” link.  If you have questions about this opportunity, feel free to call Kevin O’Connor @ (724) 837-6338.

Confidentiality

We respect your privacy and will never submit a resume to a third party without your permission.  You can be assured that the information you give us will never be forwarded to any company without your specific, direct permission in advance.

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