Underwriter, Finance & Banking

• A supportive and relationship-driven culture
• Competitive compensation and comprehensive benefits
• 401(k) with company match
• Professional development and career growth opportunities
• A company committed to giving back to the communities we serve

Discover what’s possible with Evergreen.

This position underwrites mortgage loan applications evaluating loans to determine credit risk, minimizes risk and loss, and ensures eligibility for sale to the secondary market. This role reviews property appraisal to determine acceptability of collateral.

• Process FHA, VA, USDA, Conventional and other loan programs for assigned Loan Officer(s) within standard time frames outlined in the company’s Processing Service Level Agreement.
• Obtain all required documentation, such as appraisal, title, escrow, verification of employment/income, asset verification, credit, insurance binders, etc.
• Assist in gathering loan conditions assigned by the Underwriter that will satisfy the condition.
• Prompt issuance of condition letters or needs lists to loan officers and/or borrowers. Communicate with borrower(s) directly on behalf of the Loan Officer via preferred contact method (IE email, phone, POS System etc.) as needed, to obtain Prior to Approval, Prior to Doc, Prior to Funding and Post Closing conditions as applicable.
• Communicate outstanding items to Loan Officers in a timely manner and assist Loan Officers and/or Borrower(s) with understanding of the loan requirements throughout the loan process.
• Assist with daily problem-solving and trouble‑shooting.
• Schedule and maintain weekly pipeline review meetings with assigned Loan Officers and adhere to the Processor Driven Pipeline Management Policy.
• Proactively communicate and set expectations about what the process will or may potentially involve, including turnaround times for receipt of documents and impact of delays if applicable.
• Effectively manage assigned loan pipeline and actively work these loan through the process to closing.
• Order all required documentation, such as appraisal, title, escrow, verification of employment/income, asset verification, credit, insurance binders, etc. Follow up to ensure loan will close within allowed time frames.
• Maintain and apply up to date technical knowledge of software, programs and interfaces.
• Stay up to date on loan guideline and program changes including but not limited to innovative products, new programs and investor overlays.
• Issue needs list to Loan Officers and/or clients in a timely manner and assist our Loan Officers and customers with understanding of the loan requirements to guide the loan to closing.
• Assess income, credit and asset documents against guidelines to ensure feasible submissions to underwriting; effectively articulate calculations and any impact/concerns. Communicate all changes in file status to underwriter.
• Manage customers’ expectations for internal processing timelines and provide frequent status updates. Anticipate potential issues or delays and partner with internal colleagues (as necessary) to ensure the loan moves forward for a successful transaction.
• Proactively identify and resolve issues related to the loan; appropriately escape issues as needed while maintaining personal accountability for issue resolution and customer satisfaction.
• Submit files for loan closing documents within time frames.
• Provide back‑up processing as necessary.
• Complete 12 hours of annual training per year as outlined per company policy.
• Other duties as assigned.

• Perform all actions in accordance with the Mission, Vision, and convictions of EHL.
• Provide a “WOW” experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication and/or in person.
• Seek Feedback:
  Host regular and timely communication with associates and Manager.
• Be willing to assume additional responsibilities/duties/projects as they arise.
• Have strong organization skills, the ability to learn quickly, and accuracy/timeliness in completing tasks.
• Perform all actions in accordance with policies and procedures of the company.
• Expected to meet productivity guidelines of the position.
• Effecti…