What are the responsibilities and job description for the Mortgage Underwriter position at EverTrust Bank?
- Review loan files for completeness and accuracy including but not limited to, calculation and verification of income & assets, evaluation of credit reports, purchases contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation;
- Evaluate debt and loan-to-value ratios, credit score, property valuation and various other factors;
- Determine and document loan conditions, communicate requirements, and/or decisions;
- Identify loan credit risks resulting from the applicant’s underlying business practices, underwriting, and/or fraud exposure;
- Maintain knowledge of all applicable agency and non-agency underwriting guidelines;
- Knowledge and use of loan origination system Mortgagebot/LOS, Calyx Point, Ecompass, etc.;
- Knowledge of automated and manual underwriting and issue full underwriting’s condition notice;
- Has proper knowledge and familiarity with current mortgage policies/procedures, compliance laws and regulations-including TRID-and understanding of mortgage regulatory changes;
- Steady producer in completing tasks and responsibilities with utmost attention to quality of work and demeanor;
- Strong commitment to customer service and satisfaction;
- Perform other non-routine inquiries and other duties as required by management.
Job Type: Full-time
Pay: $58,000.00 - $70,000.00 per year
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
Physical Setting:
- Office
Schedule:
- Monday to Friday
Supplemental Pay:
- Bonus pay
COVID-19 considerations:
Required to wear facemask
Education:
- Bachelor's (Preferred)
Experience:
- Underwriters & Credit Analysts: 1 year (Preferred)
- Mortgage Underwriting: 2 years (Required)
Work Location: One location
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