Mortgage Loan Underwriter

2 weeks ago

East Tawas, United States Huron Community Bank Full time
Job DescriptionJob DescriptionSalary:

BASIC PURPOSE:


The Underwriter function will analyze and review all pertinent information of a residential mortgage file and assemble for decision, in accordance with policies and regulations and assures that appropriate documentation is obtained and completed.


PRINCIPAL ACCOUNTABILITIES:

  • Knowledge and proficiency in all levels of mortgage underwriting including Conventional, Non­ Conventional, Government, Jumbo and Internal mortgage
  • Capacity to analyze highly complex borrower documentation, determine income and repayment ability and borrowing eligibility.
  • Reviewing collateral appraisals to ensure they accurately depict market value by effectively analyzing comparable data, adjustments and other property characteristics; understanding added requirements relating to the appraisals of manufactured homes, condominiums and PUDs . Understanding industry terms and appraiser qualifications. Recognizing discrepancies and red flags that could impact property financing eligibility and keeping abreast of market trends.
  • Recommending loan terms and structure; ensuring compliance with bank, Freddie Mac and correspondent banking policies and procedures, as well as all appropriate regulatory
  • Preparing loan packages for presentation to committee(s) when Coordinating with manager.
  • Presenting opinions and suggestions regarding loan qualification to manager/senior management.
  • Inputting information from application documents. Producing customer disclosures and information in compliance with internal and external documentation regulations and guidelines. Resolving exception items as they are
  • Ordering documentation to support key elements necessary to a mortgage
  • Maintaining a solid understanding of all applicable Freddie Mac policies, procedures and regulations to ensure compliance of loans sold on the secondary
  • Maintaining a solid understanding of all applicable policies, procedures and regulations relating to correspondent banking programs for Conventional, VA, FHA and RD loans through Flagstar
  • Acting as administrator for current mortgage software to ensure efficient operation and document compliance. Ensuring that updates are performed in a timely
  • Maintaining a working knowledge of Freddie Mac and correspondent banking online systems utilized for automated underwriting and loan
  • Maintaining a solid understanding of all applicable guidelines, regulations and laws that pertain to all facets of the mortgage lending process.
  • Assisting in the development of policies, programs, objectives and goals related to the mortgage
  • Adhering to all applicable internal operational and security
  • Report to work on time and maintain good attendance is an essential function of your job and necessary for our bank to operate efficiently.
  • And other duties as


EDUCATION:

  • A high school diploma or equivalent
  • College degree in business and/or equivalent work experience preferred


EXPERIENCE:

  • Three to five years mortgage underwriting experience
  • Excellent analytical and decision ­making skills
  • Ability to work independently with minimal supervision
  • Ability to analyze complex financial information


EQUIPMENT TO BE USED:


Computers, fax machines, telephone, calculators, copy machines and scanners.


TYPICAL PHYSICAL DEMANDS:


No unusual physical exertion required. Requires sitting, standing, bending and reaching. Requires manual dexterity sufficient to operate standard office machines such as computers, copy machines, calculators, telephones and other office equipment. Requires normal range of hearing and vision.


TYPICAL MENTAL DEMANDS:


Must be able to analyze complex information at times, and perform simple mathematical calculations. Must be able to work under high demands and handle stress and pressure.


WORKING CONDITIONS:


Works in a typical office setting and is stationed at a desk approximately 90% of the time. Occasional to moderate overtime may be required.


Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. HCB provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or any other categories protected by Local, State or Federal law. 

 


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