Mortgage Underwriter 1

About the role

The Mortgage Underwriter I reviews and assesses residential mortgage loan applications to ensure adherence to established underwriting standards, regulatory requirements, and the Bank’s policy. This role evaluates borrower qualifications, analyzes financial documentation, and collaborates with Loan Officers to determine the overall risk associated with each loan decision while facilitating timely approvals, maintaining sound credit practices, compliance, and exceptional customer service.

Responsibilities

• Review Mortgage and Home Equity application documentation for accuracy.
• Analyze borrowers' employment history, financials, credit reports, asset statements, liabilities, etc., to determine eligibility for financing.
• Underwrite loans in accordance with Bank Policy, State and Federal laws and regulations, and guidance issued by partner organizations.
• Identify and communicate application deficiencies to the Loan Officers.
• Maintain a high level of service and professionalism both internally with coworkers and externally with customers.
• Monitor personal pipeline to ensure files are moving timely and efficiently.
• Perform other duties as assigned.

Qualifications

Skills

• Attention to detail
• Communication
• Organization
• Problem-solving
• Technology proficiency