Residential Mortgage Underwriter II

Overview

The Residential Mortgage Underwriter II is responsible for evaluating residential real estate credit applications to determine accuracy, completeness, credit worthiness, and regulatory compliance.

• Conduct credit risk review and apply conditions required to comply with product, program, and regulatory specifications
• Perform appraisal analysis to ensure acceptable collateral position
• Ensure compliance with internal, state, and federal regulations through continuous education and evaluation of internal procedures and controls
• Communicate credit risk decisions to applicants and mortgage industry credit partners
• Along with the Manager of Residential Mortgage Operations, mentor operations specialists on underwriter considerations and enhancements
• Support, advance, and meet Premier Experience service standards within the Mortgage Department

• Assist with departmental projects
• Actively participate in internal and external continuing education for mortgage loan operations and professional development
• Contain knowledge of company products and services
• Maintain working knowledge of Choice Financial’s policies and procedures and comply with them
• Maintain complete confidentiality with regards to customer accounts, loans and bank relationships
• Project a positive image of Choice Financial when representing the organization
• Actively support management and organizational goals
• Interact with other employees to promote teamwork, communications, trust and respect
• Adapt to meet the ever-changing customer and community needs
• Performs duties outside normal scope as assigned

• Leads as a team player with excellent interpersonal skills and develops partnerships
• Takes initiative by proactively identifying what needs to be done and acts
• Communicates effectively with excellent written and oral communication skills
• Promotes and administers change and accepts diversity
• Exhibits problem-solving, analytical thinking, and decision-making skills
• Fosters open communication
• Follows policies and procedures
• Proficient computer skills including Microsoft Office (Word, Excel, Access)
• Must work in an efficient, systematic way
• Must display consistency, thoroughness, attention to detail, and strong organizational skills
• Use sound judgment in prioritizing tasks to work under tight deadlines

• 2 to 4 years of relevant experience in mortgage loan operations with requisite competencies
• 2-year degree in Accounting, Finance, Business Administration or equivalent combination of education and experience with requisite experience
• Handles moderately complex files such as self-employed borrowers or layered risk factors
• Works independently on standard loans; escalates complex cases for review
• May mentor junior underwriters informally

This position requires travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs.

Choice is #People First, banking second. People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities. Our core values include:
Embrace change and encourage innovation;
Know when to ask for help and know when to offer help;
Better the places we live;
Work hard. Do the right thing. Have a little fun.

Our vision of Diversity at Choice is supported by our #People First mission and our core values. Being #People First means focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work.

We can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our…