HELOC Underwriter

Wintrust Mortgage was founded in 1981 to help customers achieve the American dream of home ownership and has since successfully navigated the ever-changing real estate market. As a full-service, federally chartered lender with offices located across the country, we’re dedicated to providing customers with a wide range of mortgage products and have the capability to lend in all 50 states. To complement the basic conventional, FHA, and VA loan programs, we are uniquely positioned to meet the needs of the continually evolving market.

Wintrust Mortgage is part of Wintrust, a financial services company with more than $66 billion in assets.

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 11 years) and Employee Recommended award by the Globe & Mail (past 6 years)

• Competitive pay and annual discretionary bonus eligible

• Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few

• Family-friendly work hours

• With 200+ community bank locations, we offer opportunities to grow and develop in your career

• Promote from within culture

• You’ll work with multiple departments within Wintrust on an on-going basis, meeting amazing people along the way.

• We strive on teamwork to ensure we all are successful with our daily processes and tasks.

• Chances to learn and grow through new initiatives and multi-tasking

• HELOC Underwriter will maintain a pipeline of Bank HELOC loan transactions with the expectation of completing 3+ new decisions per day while maintaining 48-hour turn time on resubmissions for final approval.

• Update underwriting approvals, validate approval data, clear alerts in fraud detection tool, and complete reviews in accordance with loan policy to mitigate risk for the bank.

• Communicate loan decisions and approval conditions to Loan Processors, Consumer Lenders, Closers, and Management.

• Request loan policy and guideline exception requests.

• 1-3 years loan underwriting.

• Must be resourceful in utilizing tools and information that is available.

• Attention to detail and accuracy is a must.

• Ability to accurately determine income for wage earners, self-employed borrowers, and experience with corporate returns.

• Experience reviewing appraisals.

• Strong organizational skills as well as excellent verbal (including phone etiquette) and phone and written communication.

• Positive “can do” attitude with a strong focus on internal and external customer service.

• Proactive approach when dealing with challenging situations/loans and resolution focused.

• Ability to work independently in a fast-paced environment & handle multiple personality types in a calm and professional manner.

• Proficient in MS Office including Excel and Word

• Advanced Computer Skills

• High School Diploma or equivalent

Medical Insurance
• Dental
• Vision
• Life insurance
• Accidental death and dismemberment
• Short-term and long-term Disability Insurance
• Parental Leave
• Employee Assistance Program (EAP)
• Traditional and Roth 401(k) with company match
• Flexible Spending Account (FSA)
• Employee Stock Purchase Plan at 5% discount
• Critical Illness Insurance
• Accident Insurance
• Transportation and Commuting Benefits
• Banking Benefits
• Pet Insurance

The estimated annual salary range for this role is $59,000-$77,000. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills, and experience.

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From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.