Mortgage Underwriter - Independence, OH

Primary Office

Location:

6060 Rockside Woods Blvd., Independence, Ohio
44131.

This position is primarily responsible for underwriting and approving residential mortgage loan applications and reviewing declinations. The incumbent pays attention to proper ordering of documentation to reduce risk and plays a major role in acquiring loan assets using appropriate risk management discipline.

• Reviews individual loan applications per product‑specific guidelines to evaluate risk and determines acceptance, considering credit, repayment capacity, collateral, credit histories, banking relationships, and regulatory impact.
• Verifies all application information for accuracy and completeness, validating loan data against documentation.
• Ensures compliance with company policies and procedures for underwriting mortgage loans.
• Performs income analysis to calculate wages or self‑employed income according to guideline or regulatory criteria.
• Reviews appraisal reports for accuracy, compliance, and completeness; requests revisions as necessary.
• Identifies complex issues on appraisal reports and takes steps to resolve them such as inspections, contractor engagement, or escrow of repair funds.
• Submits loans for Mortgage Insurance when necessary.
• Complies with regulations regarding approvals and declinations and notifies MLO and processing partners within stated time frames for regulatory B compliance.
• Ensures accuracy of HMDA data and FCRA and ECOA decision reasons on adverse actions.
• Underwrites loan applications per GSE, secondary market, or portfolio guidelines and corporate policy; determines qualification status.
• Advises the loan originator on loan structuring to qualify programs or provides counter offers when possible.
• Approves loans up to a set authority level and escalates for higher‑level authority as needed, following lending authority limits.
• Attends yearly training seminars and Web‑X training on fraud detection, appraisal reports, and secondary market underwriting guidelines.
• Performs other related duties and projects as assigned.
• Serves as a risk manager by understanding, reporting, responding to, managing and monitoring risk encountered daily as required by the company’s risk management program.

• Education:
  
  High school or GED.
• Experience:
  
  3 years of job‑related experience.

• Excellent project management skills.
• Excellent written and verbal communication skills.
• Excellent organizational, analytical, and interpersonal skills.
• Ability to use general office equipment.
• Ability to use a PC and job‑related software (MS Word – basic, MS Excel – intermediate, MS PowerPoint – basic).
• Ability to use industry‑related software such as Desktop Underwriter, Loan Prospector, Clout, Zippy, eMagic, RMIC, Mortgage Bot, easy Lender, etc. (preferred).

None required.

Beyond traditional office work:
None.

It is the policy of F.N.B. Corporation and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. FNB provides a discrimination and harassment‑free workplace and will not sponsor employment‑based visas for this position; only candidates legally authorized to work in the U.S. will be considered.