Mortgage Loan Underwriter I

Position Summary: Responsible to complete the ability to repay reviews on all portfolio loans. Complete internal appraisal reviews, declines and withdrawals on all real estate loan products.

Essential Functions

• Deliver excellent customer service to bank personnel and customers
• Responsible for completing full ability to repay review of portfolio real estate loan products
• Input proper loan information into the system for appropriate calculations of DTI/Rate/ LTV
• Input FHLB grant applications and complete all duties as submitter of the applications, including communicating updates to loan officers and processors where applicable
• Meet all crucial deadlines
• Complete loan approval changes as requested by loan officers, processors, etc. and ensure accurate pricing on loans
• Analyze applicants' financial status, personal and business financial statements, credit, and property details to ensure loan qualifications are met. Communicate with lenders on missing or insufficient documentation
• Communicate documentation requests with lenders and perform follow up to ensure requested documentation is received in a timely manner
• Maintain confidentiality and security of applicant/borrower information and data at all times
• Ability to multi task and prioritize critical projects to ensure completion
• Make recommendations to improve efficiency and effectiveness of position
• Provide support to department to include preparing weekly and monthly reports on loan status, maintain training records in system and participate in pertinent meetings to ensure knowledge, skills and abilities are maintained and up to date
• Perform other duties as assigned and support all areas of the Bank and its subsidiaries
• Complete all withdrawal / decline requests to ensure compliance with regulatory guidelines
• Complete internal appraisal reviews and communicate with appraisers for updates when needed

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Competencies

• Decision Making
• Communication
• Advanced Customer Service
• Project Management
• Analytical Skills
• Advanced Spreadsheet design and calculations

Work Environment

This position operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Demands

The employee is occasionally required to sit; climb or balance; and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 2 pounds and occasionally lift or move up to 5 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Required Education and Experience

• Bachelor’s degree or equivalent experience in the mortgage lending industry
• Technical skills with good working knowledge of Microsoft Office
• Strong interpersonal skills, team player and enjoys working with people
• Candidate should possess excellent both verbal and written communication skills
• Organized, detail-oriented, and comfortable dealing with numbers
• Must be able to think “outside of the box” to obtain the required information