Underwrite 1st and 2nd mortgage loans in accordance with established policies and procedures and appropriate guidelines. Examine all documentation for accuracy and completeness

• Screen loan applications to determine the appropriate funding source and program.
• Calculate income for all types of borrowers, review complex tax returns and financial statements, accurately complete the appropriate income calculation worksheet according to the agency, analyze various sources of funds, and establish general creditworthiness of potential borrowers.
• Review information provided in loan package; requests additional information as required.
• Evaluate risk as it relates to borrowers, collateral, and transactions.
• Provide final approval underwriting of conventional, VA, and FHA mortgage loans including but not limited to lease holds, construction, non-owner occupied, condominiums, mortgage insurance secured, and higher risk loans.
• Underwrite credit, capacity, and collateral in accordance with established policies and procedures and investor requirements.
• Maintain a current knowledge of agency and investor guidelines.
• Thoroughly review guidelines to ensure loans meet applicable underwriting standards.

• HS diploma or equivalent or required, bachelor's degree preferred.
• Minimum 2 – 4 years of experience in the mortgage industry required.
• Thorough working knowledge of real estate documentation, policies, compliance, and procedures.
• High level of proficiency with mortgage loan processing and underwriting systems.
• MS Office proficiency required.
• Excellent written and oral communication skills.

WORKING CONDITIONS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization.