Senior Mortgage Underwriter

3 days ago


Wichita, Kansas, United States Equity Bank Full time
Job Summary

We are seeking a highly skilled Senior Mortgage Underwriter to join our team at Equity Bank. As a Senior Mortgage Underwriter, you will be responsible for underwriting mortgage loans, managing process flow, and ensuring all underwriting responsibilities are performed in the absence of other employees and/or manager. You will also be responsible for reviewing and calculating qualifying income for borrowers, including complex self-employed individuals, and reviewing credit reports to determine if borrowers meet agency, investor, and Equity Bank credit worthiness requirements.

Responsibilities

• Underwrite mortgage loans according to agency, secondary market investor guidelines, and/or by Equity Bank underwriting guidelines, balancing bank safety and soundness against loan production needs of the loan originators.
• Well-versed with guidelines for VA, FHA, RD, and Conventional loans.
• Review and calculate qualifying income for borrowers, including complex self-employed individuals.
• Review credit reports to determine if borrowers meet agency, investor, and Equity Bank credit worthiness requirements.
• Review appraisals to determine if the collateral meets secondary market and Equity Bank requirements and supports the value given by the appraiser.
• Ensure loans are underwritten within established timeframes.
• Communicate results back to loan processors and/or loan originators.
• Clear to close loans for final documents.

Requirements

• High School diploma or equivalent.
• FHA DE & VA SSR certification.
• 10+ years mortgage experience.
• TRID experience preferred.
• Experience with Ellie Mae Encompass LOS preferred.
• Extensive knowledge of mortgage lending practices and regulations preferred.
• Ability to process high volume, time-sensitive transactions preferred.
• Detail-oriented and well-organized.
• Able to perform a variety of mortgage-related functions, while maintaining composure.
• Excellent interpersonal skills and professional manner.

About Equity Bank

Equity Bank is a full-service, $5 billion community bank based in Wichita, Kansas, with 70 bank offices throughout Kansas, Missouri, Arkansas, and Oklahoma. We offer a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management services, and absolutely zero ATM fees, anywhere. We believe your benefits are an important part of your overall compensation package and work year-round to ensure that we provide our employees with the most up-to-date, competitive program.

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