Mortgage Underwriter III

Responsibilities

• Render a final underwriting decision (e.g., approved, suspended, denied) for mortgage loan applications based on factors such as capacity, credit history, capital, and collateral.
• Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications.
• Formulate approval conditions, as appropriate.
• Review each loan file to verify documents are present, accurate, accurately calculated, compliant, and sufficiently complete for an underwriting decision.
• Review and reach an underwriting decision on the appraisal.
• Accurately answer questions from and educate loan officers, loan processors, and other appropriate personnel about underwriting rules and how they apply to individual loan applications.
• Review and answer loan scenario questions from loan officers.
• Perform necessary computer-based functions for both internal and external IT systems.
• Conduct online research.
• Meet ongoing, short deadlines with regard to underwriting, closing, etc.
• Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs and state and federal law and regulation.
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Requirements

• Graduation from a 4-year college or university with related major, preferred
• At least 10+ years of underwriting experience or combination of mortgage processing and underwriting experience
• Conventional FNMA & FHLMCFHA Direct Endorsement (DE) approved
• Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR)
• Minimum of two of the following specialty areas: Portfolio Lending, Construction One Time and/or Two Time Close, or Jumbo Non-Conforming
• USDA preferred but not required
• Proficient in Microsoft Office Suite
• Excellent verbal, written, and interpersonal skills
• Excellent organization and multi-tasking skills
• Ability to maintain confidentiality

Qualifications

Must be proficient in Microsoft Office Suite.

Must possess excellent verbal, written and interpersonal skills.

Must possess excellent organization and multi-tasking skills.

Ability to maintain confidentiality.

Skills

• Underwriting rules from multiple sources
• Microsoft Office Suite proficiency
• Verbal, written, and interpersonal skills
• Organization and multi-tasking skills
• Confidentiality maintenance

Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities.

Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individual in a Great Whole Creating Possibility Community Focused

Associates Enjoy Outstanding Benefits, Including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives!

If you qualify, apply online at www.sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank!

EEO/AA: Minorities/Females/Disabled/Vets