Underwriting Specialist

4 days ago

Albany, New York, United States Trustco Bank Full time
Job Title: Underwriting Processor

Trustco Bank is seeking a highly skilled Underwriting Processor to join our team. As an Underwriting Processor, you will play a critical role in managing the underwriting portions of the residential lending process.

Key Responsibilities:
  • Evaluate and ensure all loan documentation is accurate, complete, and compliant.
  • Analyze the cash flow and financial condition of the borrower, reviewing financial statements, credit reports, applicable ratios, loan-to-value ratio, and other supporting documentation.
  • Review property appraisals to ensure they meet the bank's policies, guidelines, and practices.
  • Effectively and efficiently maintain standard underwriting turnaround time for loan decisions.
  • Maintain and ensure adherence to all state and federal regulations affecting the underwriting and issuance of credit to borrowers.
  • Maintain current knowledge of all loan products and origination requirements.
Requirements:
  • High School Diploma or equivalent education or experience.
  • Customer service experience.
  • Effective verbal and written communication skills.
  • Well-organized with the ability to manage multiple tasks and work to time-sensitive deadlines.
  • Ability to work well independently and in groups.
  • Working knowledge with Microsoft Office Programs; Excel and Word.
Preferred Qualifications:
  • An Associate's degree, or higher, in a business-related field.
Work Environment:

The work environment is a typical office/retail environment with ambient room temperatures, lighting, and traditional equipment.

Trustco Bank is an equal opportunity/affirmative action employer. It is the policy of Trustco Bank to take affirmative action in affording equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability, or protected veteran status.

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