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Residential Loan Underwriter

2 months ago

Spokane, United States Portage Bank Full time
Job DescriptionJob Description

Description

Are you ready to play a pivotal role in helping individuals achieve their dream of homeownership? Our bank is seeking a dedicated Residential Loan Underwriter to join our dynamic team. In this position, you will assess loan applications, ensuring they meet our lending criteria while providing exceptional customer service. Your analytical skills and attention to detail will be crucial in evaluating financial documents and making informed decisions that support both the applicant's and the bank's best interests. Join us and be part of a team that values integrity, precision, and customer satisfaction.

Responsibilities

  • Review Loan Applications: Analyze submitted loan applications and supporting documents to determine eligibility, ensuring all necessary information is complete and accurate.
  • Assess Financial Risk: Evaluate the financial status of applicants by reviewing credit reports, employment history, income, and other relevant data to assess the risk of granting the loan.
  • Ensure Compliance: Verify that loan applications comply with regulatory and bank standards, maintaining adherence to all relevant laws and guidelines.
  • Communicate with Applicants: Provide clear and concise feedback to applicants regarding their loan status, necessary documentation, and next steps in the process.
  • Collaborate with Loan Officers: Work closely with loan officers to clarify loan application details and provide guidance on complex cases.
  • Decision Making: Make informed lending decisions within authorized limits and prepare detailed recommendations for higher-level reviews when necessary.
  • Document Management: Maintain organized and thorough records of all loan applications, decisions, and communications to ensure a clear audit trail.

Qualifications

  • Educational Background: Bachelor’s degree in finance, business, or a related field.
  • Experience: Minimum of 3 years of experience in residential loan underwriting or a similar financial role.
  • Licenses/Certifications: Relevant certifications in loan underwriting or mortgage banking are preferred.
  • Technical Skills: Proficiency in loan underwriting software and Microsoft Office Suite.
  • Analytical Skills: Strong ability to analyze financial documents and assess creditworthiness accurately.
  • Communication Skills: Excellent verbal and written communication skills for effective interaction with applicants and team members.
  • Attention to Detail: High level of attention to detail and accuracy in all aspects of loan review and documentation.