Senior Loan Underwriter

2 weeks ago

Jackson, Mississippi, United States Renasant Full time

Senior Loan Underwriter

Overview

The Senior Loan Underwriter will oversee the assessment and evaluation of conventional (Conforming and Non-Conforming) FHA, Rural Development, State Authority, and VA loans for Renasant Bank.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER



Key Responsibilities

  • Evaluate all aforementioned loans for retail branches and wholesale clients across all lending sectors.
  • Demonstrate proficiency in underwriting conventional (conforming and non-conforming) FHA, Rural Development, State Authority, and VA loan applications.
  • Ensure the accuracy of documents submitted against data entered in Automated Underwriting Systems (AUS).
  • Analyze appraisals to confirm acceptable collateral in line with investor and agency standards, adhering to company review protocols.
  • For ineligible loans, maintain awareness of alternative programs to propose potential counteroffers.
  • Engage with loan officers and processors regarding loan decisions and documentation requirements through appropriate communication channels.
  • Confirm data accuracy within the Loan Origination System (LOS) and generate loan decisions accordingly.
  • Ensure flood certifications are obtained and accurate data is recorded in the LOS.
  • Request private mortgage insurance certificates as necessary.
  • Upload FHA appraisals to the designated portal and complete logging in the FHA system.
  • Issue VA Notices of Value (NOV) through the VA portal after reviewing the relevant reports.
  • Prepare credit packages for submission to the appropriate authorities for approval, ensuring all documentation is uploaded correctly.
  • Utilize available tools and resources to assist in the decision-making process and identify when additional information is required.
  • If functioning as a jumbo underwriter, manage loan files and act as a liaison between investors and processors.
  • Collaborate with the closing department to ensure accurate loan closures with the correct documentation and terms.
  • Work with quality control and post-closing teams to resolve any outstanding conditions required by auditors or agencies.
  • Stay informed on all agency and investor guidelines, subscribing to updates from relevant organizations.
  • Perform additional related duties as assigned.


Qualifications

  • High school diploma or equivalent is required.
  • A minimum of 10 years of experience in underwriting is essential.
  • Ability to make independent underwriting decisions with minimal oversight.
  • Familiarity with DU, LP, GUS, and other automated investor systems.
  • Capable of meeting tight deadlines and managing multiple tasks under pressure.
  • Proficient in Microsoft Office applications.
  • Typing speed of 40-50 words per minute with accuracy.
  • Basic mathematical knowledge and aptitude.
  • Quick learner with the ability to adapt to various job assignments.
  • Excellent communication skills, demonstrating professionalism and courtesy.

Physical Demands

The physical demands outlined are representative of those that must be met by an employee to successfully perform the essential functions of this role. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. While performing the duties of this position, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools, or controls; reach with hands and arms, and talk or hear. The employee may occasionally be required to walk and must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, peripheral vision, depth perception, and the ability to focus.

Work Environment

The professional working environment at the Bank necessitates effective communication, both verbally and in writing. Employees must exhibit strong interpersonal skills when collaborating with internal partners and external clients. Employees may encounter confidential and proprietary information, thus maintaining confidentiality is paramount. Due to potential exposure to high-risk situations, adherence to detailed instructions and procedures is essential to safeguard the Bank's employees, customers, and assets.

The above description is intended to convey the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities listed are all essential job functions.

This job description is not intended to serve as a contract and is subject to change. Any written contractual agreements supersede this job description.

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