Mortgage Senior Underwriter - Mortgage Underwriting - Bowie, MD

Location

This position is 100% Remote.

Market

Mid-Atlantic

Work Hours per Week

37.5

Requirements

• Bachelor's degree from four year college or university preferred.
• Minimum of 5 years of residential underwriting experience required.
• DE/SARS/LAPP highly preferred.
• Current knowledge of RESPA regulations required.
• Strong knowledge in FNMA/FHLMC, FHA,VA,USDA programs preferred.
• Minimum of 5 years of AUS experience required.
• Experience and proficiency with Encompass software preferred.

Job Description SUMMARY

Responsible for managing and monitoring daily work flow of assigned residential loan files. The senior underwriter is to make sound decisions within the risk parameters, investor guidelines and Wes Banco Credit Policy.

ESSENTIAL FUNCTION

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.

ESSENTIAL DUTIES AND RESPONSIBLITIES

• Managing and monitoring daily workflow of assigned files.
• Make sound underwriting decisions on loans regarding credit worthiness.
• Work closely with MLOs, processors and the senior management team.
• Assist processors and MLOs with complex questions.
• Ability to review and comprehend complex personal and business tax returns.
• Consistently meet underwriting milestones as established by the bank.
• Complete all bank training courses that are required in a timely manner.
• Must provide exceptional, professional service to mortgage customers, originators, processors and closers.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

CERTIFICATES, LICENSES, REGISTRATIONS

• FHA delegated underwriter
• VA automatic underwriter
• VA staff appraisal reviewer
• Able to obtain approval from secondary market investors as delegated underwriter if needed

OTHER

SKILLS AND ABILITIES

• Strong customer service skills
• Ability to process all portfolio and all secondary market loans
• Ability to review personal and business tax returns to determine qualifying income
• Strong organizational and management skills
• Ability to multi-task under sometimes stressful conditions

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

ADDITIONAL INFORMATION

The wage range for the Mortgage Senior Underwriter position is between $42.00-$47.00 per hour and eligible for approved overtime. The position includes 22 Days of PTO (Paid Time Off), 5 days of STD (Short Term Disability), 11 annual paid holidays, and 1 floating holiday. Wes Banco has an excellent benefits package to include medical, dental, and vision, Health Care Flexible Spending, Dependent Care Flexible Spending, Transportation Fringe Benefit Plan, Group Life, Long Term Disability, Optional Life, access to voluntary benefit products such as Cancer, Term & Universal Life Accident, Short-Term Disability and Critical Illness policies, and other ancillary benefit products.

Wes Banco also offers 401(k) with employee match.

Full-Time/Part-Time

Full-time

Area of Interest

Credit Administration

Locations

• Cleveland, Ohio, United States
• Bowie, Maryland, United States

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