Real Estate Underwriter (On-Site)

Responsibilities

• Analyze and evaluate loan applications and all supporting documentation (e.g. financial statements and employment history) to assess borrowers credit worthiness and ensure meets guidelines and regulations
• Underwrite according to bank guidelines and regulations for all loan products, including USDA/Secondary market/PMI, Construction, Homebuyer Dream Program and SONYMA
• Analyze and approve residential appraisals to ensure collateral meets program and investor guidelines
• Review Title Reports
• Approve if loan is within lending authority or recommend approval or denial for decision and supporting documentation
• Communicate with lenders and appropriate vendors to obtain information for credit decision
• Prepare loans to proceed to closing table
• Participate in writing procedures
• Other duties as assigned or directed

Qualifications

• Associates Degree or equivalent mortgage processing or legal office real estate closing experience required
• All applicants must be 18 years of age or older
• Proficient reading, writing, grammar and mathematics skills
• Ability to analyze and interpret income, assets and credit
• Ability to work under pressure and work effectively under time constraints
• Good written and verbal communication skills
• Research and problem solving skills
• Proficient in Microsoft Word and Excel
• Must be able to consistently demonstrate the Company’s core values; a strong work ethic, integrity, respect for others responsibility, transparency and humility
• Two (2) years’ of mortgage experience preferred

Other Job Information

• Hrs: 40 hours/week
• Cmpny: Commensurate with experience plus potential for annual merit increase
• Bns: Includes 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts
• Phy Rqts: Stand, walk or sit, use hands and fingers, handle or feel, reach with hands or arms, speak and hear, lift and/or move up to 25 pounds, close vision, focus
• Min Wkly Wk: USD $22.60/Hr
• Mx Wkly Wk: USD $33.93/Hr