Residential Underwriting Officer

Job Description

Job description

Career Opportunity

Are you ready to be part of a dynamic, ever-growing team that transforms talent into top-tier financial professionals and visionary changemakers? At Helm Bank USA, we don’t just build careers - we build business leaders, while Growing the Dream
.

We are a leading Bank with global reach, shaping one of the most attractive personalized client services in the financial industry. At Helm Bank USA, we have created a new banking experience through a business model centered around our clients, proudly providing customer service for more than thirty years. Not only do we build strong relationships: our relationships are measured in generations.

Our vision is to create a financial connection to the United States for multinational companies and foreign national individuals seeking their own dreams of business opportunities and real estate investments. Through strong relationships, our purpose is to help our clients make great decisions.

Today
-as when we started
- Helm Bank USA is driven by one imperative goal: to create the best possible solutions for our clients; we are passionate about delivering expert advice to our clients and creating solutions that enable them to reach their financial ambitions in highly competitive markets.

At Helm Bank USA, we believe that the human touch and talent make all the difference!

We are looking for passionate, impact players, and changemakers to join our success story while taking our company to new heights. Come join us and become immersed in our best-in-class, team-oriented type of culture
-where every employee has the opportunity to learn, grow and thrive. This is our inspiration!

You are a motivated exceptional financial services professional who is passionate about supporting key initiatives in a fast-paced environment. You excel at handling a rapid flow of requests and always thrive to provide utmost excellent level of support. You are a hardworking, dedicated, and positive individual who continuously aims to make outstanding contributions and effect a difference from day one.

Essential Duties & Responsibilities

Responsibilities include the following; other duties may be assigned:

Core Duties

• Work closely with the Business Development Officer, Loan Processing and Loan Closing department to ensure required documents are provided by the borrower and/or broker and underwriting guidelines are fully met.
• Accurately review financial statements, credit reports and applicable ratios to make an underwriting decision.
• Prepares credit analysis including analysis of financial statements to prepare loan approval memoranda which includes repayment analysis, collateral analysis, sufficient funds to close on the transaction, risk rating determination and loan exception identification.
• Develop a timely flow of underwriting files and conditions’ sign off to facilitate bank’s turn-around times.
• Complete a thorough analysis of loan files to determine compliance with bank, investor, and government guidelines and verify the validity of all data that has been noted on the loan application.
• Assist in any special projects or assignments as needed.
• Provide superior customer service to internal and external customers.

Requirements and Qualifications

• Bachelor’s Degree (B.A.) in Business-related field.
• NMLS Mortgage Licensed preferred
• Two years of mortgage experience, customer service and general banking experience.
• Must be bilingual in both English and Spanish. Ability to fluently speak, understand, read and write both languages
• Advanced Skills with Microsoft Office, Encompass

Partnership-Oriented

Ability to build and maintain collaborative relationships, fostering trust and mutual respect to achieve shared goals. Effective communication & Adaptability. Enhance Service Delivery. Conflict Resolution. Giving & Receiving feedback. Valuing Diversity.

Business Acumen/Sophistication

Ability to understand and apply business principles, concepts, KPIs, and strategies to make informed decisions to contribute to organizational success. Strategic & Critical Thinking. Solutions-Driven. Decision Making.

Customer-Cen…