• Underwrites residential mortgage loan requests that binds bank for commitment.
• Recommends improvements to institution's residential lending policies and procedures.
• Evaluate loan risks through application information and request additional information as necessary.
• Verify application information against loan criteria guidelines and standards
• Make loan eligibility decisions and approving or rejecting application.
• Ensure compliance with company policies and guidelines.
• Document and effectively communicate reasons for the approval/denial of loans.
• Respond to questions, queries and requests with suitable information.
• Evaluate residential mortgage loans risk on timely basis based on sound underwriting decisions.
• Provide prompt, quality service to originating branches and correspondents professionally.
• Upgrade information or processing and underwriting systems to verify, add, delete or waive conditions.
• Underwrite all conventional and jumbo loans to delegated authority.
• Underwrite FHA and USDA loans (if designation and authority permitted).
• Respond to product questions and scenarios with suitable answers.
• Provide superior customer service with innovative and creative solutions.

• High School Diploma or equivalent
• Minimum of 3 years' experience in Residential Mortgage Processing or Underwriting required.
• Must have a full working knowledge of Conventional agency underwriting and selling guidelines.
• Must have a full working knowledge of FHA and USDA underwriting and selling guidelines if designated to underwrite FHA and USDA loans.
• VA and RD experience is preferred but not required.
• Must have strong communication skills, both verbal and written.
• Must have the ability to review documents within corporate time-frame with a low error rate.
• Must be well organized and have the ability to multi-task.
• Must be able to assess risk.
• Must have the ability to determine if submitted conditions are acceptable and offer alternative suggestions as needed.
• Must have a complete working knowledge of agency automated underwriting.
• Must have basic computer knowledge.
• Ability to review complex loans (jumbos, self-employed borrowers).
• Have working knowledge of agency automated underwriting systems.
• Must have the ability to traditionally underwrite a file.
• Highly preferred government underwriting experience with DE certification.
• Extended hours sitting and performing computer tasks may be required.

Bilingual candidates encouraged to apply.

EQUAL OPPORTUNITY EMPLOYER / VET / DISABILITY

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