Senior Mortgage Underwriter - Greenville, SC or Remote

Senior Mortgage Underwriter - Greenville, SC or Remote

Apply for the Senior Mortgage Underwriter role at First Reliance Bank.

Senior Mortgage Underwriter

Operations

Columbia, Mt Pleasant, Greenville, or Remote!

Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss.

None

• Underwriting
• Respond to investor repurchase and quality review requests.
• Support loan shipping process to clear underwriting purchase issues.
• Underwrite residential loans while ensuring compliance with appropriate company and secondary market investor standards as well as compliance with lending regulations.
• Render underwriting decisions and subsequent clearing conditions to ensure credit and investor guidelines are met.
• Evaluate and examine transactions to ensure accuracy and completeness
• Contact customers and partners to gather information to make appropriate decisions
• Proactively communicate decisions to the Residential Lending Specialists and Community Bank Partners with an explanation behind credit decision
• Training/Help Desk
• Serve as a resource to Residential Mortgage personnel on underwriting questions and provide training for investor, underwriting and compliance related issues.
• Recommends modifications to underwriting procedures.
• Provide training as needed to Residential Lending Specialists and Community Bank Partners as requested by Channel Manager.
• Underwriting Management
• Prepare formal reports for review.
• Provide feedback on new investor candidates as it relates to underwriting guidelines and delivery procedures.
• Coordinate third party quality control of mortgage loans and evaluate reports providing feedback concerning closed loan quality and process improvements.
• Ensure that contractors are trained on investor specific eligibility requirements and guidelines.
• Negotiate with third party service providers and manage contracts.
• Compliance
• Implement fraud detection techniques and other evaluation tools to mitigate mortgage lending risk.
• Performing compliance reviews and comply with regulatory requirements
• Respond to individual and investor audits
• Coordinate HMDA reporting and evaluation.
• Role Specific Competencies
• Computer
  
  Skills:
  
  Skilled in the use of computers, adapts to new technology, keeps abreast of changes, learns new programs quickly, use computers to improve productivity.
• Job Knowledge:
  Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues.
• Personal Organization:
  Keeps information organized and accessible, maintains clean/functional work space, works systematically/efficiently, and manages time well.

• Bachelor's degree or equivalent experience
• 3 - 5 years underwriting experience
• DE Certification with a CHUMS number and VA LAPP Approval including FHA and/or VA underwriting experience.
• Extensive knowledge of quality service discipline.
• Retail banking experience.
• Proven communication and customer relation skills.
• Ability and desire to interact and contribute in a team environment.
• Ability to use a variety of software tools.

Mid-Senior level

Full-time

Finance and Sales

Banking