This Jobot Job is hosted by: Lindsay Nichols Are you a fit? Easy Apply now by clicking the "Apply on company site" button and sending us your resume. Salary: $60,000 - $70,000
A bit about us:
We are the premier Credit Union mortgage lender in the mid-west and we are looking for an experienced mortgage underwriter to join our growing team.
If you are an underwriter and local to the greater Hutchinson KS area, please read on.
Why join us?
What can we do for you?
Competitive Base Salary
Flexible Work Schedules
What you will be doing:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.
Review appraisals to ensure that loans meet secondary market, investor, and company standards.
Work with Mortgage Loan Processors, Mortgage Loan Closers and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.
Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.
Provide options and recommendations to borrowers regarding suitable loan programs.
Stay abreast of current regulations and industry trends that affect compliance and decision-making.
Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).
Perform other duties as assigned.
What you need:
High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred
Detailed knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing.
Detailed knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.).
Detailed knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls.
Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks.
Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness.
Strong verbal and written communication skills.
Strong detail orientation and highly organized.
Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs.
Interested in hearing more? Easy Apply now by clicking the "Apply on company site" button.