Mortgage - Mortgage Loan Underwriter II

3 weeks ago

Missouri City, United States Bank Midwest, N A Full time
It starts with our culture...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.

As a Mortgage Loan Underwriter II, you will complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards. You will be responsible for a variety of tasks including evaluating the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product. You will be handling exception items and resolving complex issues. As the Mortgage Loan Underwriter II, you will also communicate decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing, and be available to processors and mortgage bankers for general guideline interpretations and questions on specific loan files.

Additionally, you are expected to continually exhibit an understanding of automated underwriting and guidelines, check accuracy of all calculations, and meet or exceed productions goals while maintaining quality requirements. You will proactively develop relationships with key internal and external clients, gaining recognition as a Residential Banking team resource, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements: To be considered for this position, you must possess the following qualifications.
  • Bachelor's Degree or equivalent combination of education and related work experience.
  • 5+ years of mortgage industry experience
  • 3+ years underwriting experience
Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:
  • Bachelor's degree
  • 5+ years of underwriting experience.
  • FHA-DE and VA-SAR required
  • Experience with Texas equity lending
Skills and Abilities:Below is a general list of desired skills and abilities; this is not an exhaustive list
  • Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; the FHLMC, FNMA, FHA rules and processes
  • Thorough understanding and working knowledge of Texas Equity loan regulations, as well as TDHCA, Texas Vet, and TSAHC bond programs
  • Proficiency with computer systems including MS Office (Word, Excel, and Outlook) and Internet Browsers
  • Ability to act as FHA/DE, and VA/SAR
  • Ability to prioritize competing demands and effectively manage multiple tasks and/or projects.
  • Strong verbal, written and interpersonal communication skills with the ability to read reports, correspondence and procedures, speak clearly to clients and associates.
  • Must be able to deal with ambiguity, think critically, solve problems creatively, plan and meet deadlines, demonstrate strong sense of personal accountability.
  • Strong analytical ability to synthesize and communicate complex information.
  • Organization skills with the ability to utilize time efficiently.
Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:
  • Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday.
  • Office setting with hours ranging from 8am to 5pm core schedule with frequent flexibility for start and ending times along with after-hours assistance for approvals, projects, rollouts, and upgrades.
  • Must be able to work at a rapid pace for long periods of time (typically no longer than 10 hours).
  • The above description reflects the general details of the job described and is not to be construed as inclusive of every work requirement that may be inherent in the job.
Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

If this is what you believe in, then you're definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.

Thank you for your application
The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.

Other details
  • Pay Type Hourly
  • Employment Indicator NBH Services


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