Mortgage Underwriter

Responsible for approving loans, obtaining necessary approval for all credits in excess of lending limit. Assists Senior Underwriter in conducting other duties related to the credit management of the secondary mortgage lending function of the branch. Responsible for on‑going training and updates related to loan programs and guidelines, and communicating changes to staff.

• Underwrite FHA, VA, and conventional mortgage loans, meeting set guidelines.
• Make manual underwriting decisions, ensuring that policies and guidelines are strictly followed and supporting documentation to ensure compliance.
• Stay updated and informed of all changes that occur with loan agencies and investors; inform Senior Underwriter of any changes.
• Assist Loan Originators in obtaining pre‑approval.
• Answer pre‑qualification questions.
• Perform other job‑related duties as assigned by management.
• Maintain regular and reliable attendance.

• Knowledge of the secondary market, agency, loan products and guidelines.
• Knowledge of bank policies and procedures.
• Skill in underwriting FHA, VA, and conventional loan products.
• Ability to multi‑task, and function as a team player.
• Ability to type with high degree of speed and accuracy.
• Ability to work with accuracy, organization, and attention to detail.
• Ability to communicate with customers and co‑workers in a courteous and professional manner.

High school diploma or equivalent.