ESSA Bank, Mortgage Underwriter (Home Equity)

Description

Mortgage Underwriters are detailed-oriented people who will thrive in a time-sensitive and sophisticated environment. They provide support to the Home Equity Team Leader, Mortgage Origination Team, and Lenders. Their primary tasks include collaborating with lenders and clients to analyze Home Equity application files for qualification, accurately calculating various income situations, providing timely communication and follow-up on assigned loan files, appropriately prioritizing efforts, and ensuring documentation meets internal policy and compliance standards.

Key Responsibilities

• Collaborate with lenders, clients, administrative staff, and management to ensure complete and accurate documentation has been received and analyzed for qualification.
• Accurately calculate a variety of different income situations.
• Provide timely communication and follow-up on assigned loan files.
• Appropriately prioritize efforts and focus on timeliness in a fast-paced work environment.
• Ensure documentation collected and calculations meet internal policy and compliance standards.
• Support the lenders and Home Equity Team Leader.

Attitudes

• Builds positive relationships with internal and external clients by valuing their feelings and rights in both words and actions, embracing their unique beliefs, backgrounds, and perspectives, and demonstrating respect.
• Client focus: delivers consistent, high-quality service that builds trust and loyalty.
• Inclusion: encourages diverse viewpoints and contributes in group collaborations.

Behaviors

• Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results.
• Demonstrates leadership: demonstrates ability to positively influence others to achieve.
• Demonstrates integrity: strong business ethics and honest behaviors.
• Demonstrates collaboration: positively works with others to produce excellent results.
• Demonstrates volunteerism: a recognized and visible presence in serving our communities.

Competencies

• Reflects skill, good judgment, positive conduct, and personal responsibility for assigned areas.
• Sets goals and implements and leverages services and technologies that create efficiencies.
• Seeks to implement and leverage services and technologies that create efficiencies.

Position Level Expectations

• Level I: Basic functions of the LOS system for underwriting, simple income calculations for all employment types.
• Level II: Intermediate knowledge of the LOS system for underwriting, intermediate income calculations for all employment types.
• Level III: Intensive knowledge of the LOS system for underwriting, complex income calculations for all employment types. Ability to underwrite Private Banking loans. Additional training/certificates may be required for Level III.

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

• Seek out opportunities to advance knowledge of rules and regulations that impact the residential mortgage lending process, both internal and external.
• Monitors industry and compliance changes and advancements.

Qualifications, Education, & Experience

• A high school diploma or general education degree (GED) is required.
• Secondary education with related experience preferred.
• A background screening will be conducted.
• Position level will be commensurate with knowledge, experience, and education.

Languages Skills

• Ability to read, comprehend, and interpret documents.
• Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization.
• Ability to communicate with clients directly and effectively.

Technology Skills

• Ability to utilize telephone systems and possess good digital literacy including email, internet, and intranet use.
• Prior experience or the ability to learn core transaction system, Empower, statement processing system, and any other computer programs pertinent to performing job duties.

Mathematical Skills

• Ability to add, subtract, multiply, and divide in all units of measure.
• Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

Reasoning Abilities

• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to solve challenging problems involving several variables in a standardized situation.

Physical Demands and Work Environment

• The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.
• This position operates professionally in an office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers.
• Noise level is moderate with constant communication and interactions with others.
• Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.
• Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Disclaimer

This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

Benefits

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility Requirements

Eligibility requirements apply.

Equal Opportunity Employer

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating, and preserving a culture of diversity and inclusion.

Disclaimer

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating, and preserving a culture of diversity and inclusion.