Job description
Equal Opportunity Employer
THIS IS NOT A REMOTE POSITION
SUMMARY DESCRIPTION:
Approve and deny mortgage loans
ESSENTIAL FUNCTIONS:
- Review residential loan application files to verify application data is complete and meets established standards, including type and amount of mortgage
- Verify accuracy of applicant’s credit and income documents
- Record data on status of loans
- Answer routine telephone inquiries from loan customers, appraisers, realtors, loan officers etc.
- Order PMI
- Determine terms and acceptability of risk of prospective business
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
POSITION REQUIREMENTS:
- College Degree Preferred
- Minimum of 2 years mortgage underwriting experience
- Thoroughly familiar with FHA, VA, Conv., Portfolio and Bond Programs
- Proficient at analyzing self-employed borrowers income from tax returns etc.
- Able to structure counter-offers for customers without Originator/Underwriter assistance
- Able to identify and work out issues using own judgment in keeping with bank policies
- Able to assess risk when reviewing loan files for approval
- Work is generally performed indoors in environmentally controlled conditions
- Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
CRITICAL SKILLS/EXPERTISE:
- Excellent written and verbal communication skills
- Ability to work well independently and in a team environment
- Strong attention to details
- Good problem solving skills
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