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Mortgage Underwriter

3 months ago

Delray Beach, United States Ithink Financial Full time
Description

Job Title: Mortgage Underwriter Status: Exempt

Reports To: Director of Retail Mortgage Lending Effective Date: 07/19/2013

Primary Function:

Assist management with daily workflow of mortgage applications. Provide guidance to Loan Processor, Originators and Closers with workload when necessary. Evaluate mortgage and/or consumer loan applications for compliance to government, internal and investor standards. Approve, modify, or deny investment and portfolio loans. Provide financial counseling for members. Update and maintain policy and procedure manual.

Major Duties and Responsibilities
  1. Assist management with supervision of overall daily workflow of mortgage applications through entire process, which includes providing guidance to loan officers, processors and closers.
  2. Process and approve mortgage and consumer loan applications: answer questions, verify applications for completeness, conduct credit investigation, determine value and status of collateral (if any), establish a signature limit (if applicable), approve advances for preapproved signature loans, determine debt ratio, and document loan decision in writing. Authority lending limit to be dictated per the lending authority chart in the Consumer Loan/ Mortgage Loan Policy Manual.
  3. Deny loan applications not in conformance with credit union policies. Prepare necessary notifications and forms. Refer rejected loans to the Senior Mortgage Underwriter as needed. Discuss denials with members as outlined by policy. Document loan denials. Refer loans beyond limits to management or Loan Review Committee
  4. Compile end-of-month report.
  5. Remain current on changes within the legal, regulatory, economic, and competitive and technology environments, which may affect consumer lending program. Responsible for remaining current on credit life mortgage insurance program features and costs.
  6. Maintain loan information on computer and all follow-up paperwork including: review of daily loan minutes to acknowledge previous day's loans, responsible for preparing payroll deduction, distribution and allotment forms, clearing conditions for closing and signing off, assist in clearing up post closing problems as they arise.
  7. Explain and answer member inquiries about mortgage loans, payoff schedules, loan rates, overdraft loan protection, and loan disbursals. Monitor and answer loan department
  8. Originate second mortgages and assure that these loans meet all requirements as outlined in credit union policy.
  9. Understand and describe the purpose of the Bank Secrecy Act (BSA), Anti Money Laundering, and Office of Foreign Asset Control policy (OFAC). Identify the BSA Administrator and responsibilities. Complete annual BSA training. Know where to find the BSA policies, procedures, and forms.
  10. Responsible for processing member information and transactions consistent with BSA policy and procedures. Understand the regulatory requirements and the internal BSA/AML policies, procedures, and processes. Understand and describe; Suspicious Activity Report (SAR), Currency Transaction Report (CTR), Customer Due Diligence policy (CDD), and Office of Foreign Asset Control policy (OFAC). Complete and file appropriate forms in a timely manner; Suspicious Activity Report, Currency Transaction Report, Document CRM consistently as directed by operational procedures.
  1. Responsible for understanding and complying with the iTHINK Financial Cybersecurity Phishing Standards and Guidelines for the safety and soundness of the Credit Union. Complete on-going training as assigned to stay current with new trends. Know where to find the Cybersecurity policies and procedures.
Skills, Knowledge, and Ability
  • Know all features and benefits of the credit union's products and services.
  • Thorough knowledge of organization's policies/procedures and credit union's service philosophy.
  • Thorough knowledge of safety and security program for false alarms, robberies, bomb threats, extortion, identity theft, and fraud.
  • Thorough knowledge and proficiency of credit union's computer systems (FSP, CRM, etc.)
  • Thorough knowledge of state and federal consumer real estate lending regulations.
  • Ability to understand and follow complex written and oral instructions.
  • Ability to serve as backup to other Mortgage Loan representatives.
Behavioral Model; What activities are involved.
  1. a) Communicate clearly and effectively in verbal and written format with members and employees.
  2. b) Prepare and maintain loan files, confidential records and reports.
  3. c) Analyze statistics and financial data, relevant facts and develop solutions.
  4. d) Assess needs of multiple members and prioritize requests ensuring highest quality service possible.
  5. e) Processes member information and transactions consistent with BSA procedures.
  6. e) Exercise judgment under general direction to interpret, act upon and handle daily routine.
  7. f) Provide assistance with training of new employees.
Outcomes; The expected results, goals, and objectives.
  1. Individual goals for productivity and accuracy are achieved.
  1. NPS and Service Excellence goals are achieved.
  1. Ensure the confidentiality and security of loans being processed.
  2. Accurate liens are obtained on any collateral taken as security.
  3. All work performed conforms to Credit Union guidelines and standards.
  4. Perform other duties as may be assigned by Director of Retail Mortgage Lending.


Education and Experience

Job requires a four year college level of language, math and reasoning skills and three years experience, or an equivalent combination of education and/or work experience. Formal position training should be supplemented with continuing education. This is an exempt position.

Physical Requirements

iTHINK Financial is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.
  • Vision: Ability to effectively review documentation.
  • Speech/ Hearing: Ability to communicate with members and peers.
  • Manual Dexterity: Ability to perform necessary computer related input.
  • Physical Mobility: Limited mobility required. Requires the ability to work flexible hours.


Work Environment/Physical Activities

Job requires limited physical effort. It is basically a desk assignment. The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations. The job requires a degree of attention to details.

Notice: This job description is not intended to be, nor should it be construed as, a contract for employment. iTHINK Financial makes no guarantee of permanent employment. This job description is to be used as a guideline to give you an understanding of what the credit union has defined this position to be. iTHINK Financial is willing to accommodate handicaps to the extent a financial services organization can without impacting financial control or member service. iTHINK Financial is an Equal Opportunity Employer.