Mortgage Underwriter III Gulfport Telecommuter

Benefits

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS

Mortgage Loan Underwriter III

Mortgages

Mortgage Loan Underwriter Manager

Non-Exempt

13

The Mortgage Underwriter III position requires a minimum of 4 years of current mortgage underwriting experience to include 2 years of government underwriting. Must be DE and SAR approved.

None

• Validate the accuracy of all calculations and loan documentation provided.
• Responsible for underwriting all mortgage loan types including all government loans.
• Completes a thorough analysis of loan files to determine guideline compliance with Keesler Federal, GSE agency, and investor guidelines.
• Analyze Credit, Capacity, Capital, Collateral, and Character to ensure the file meets guidelines and regulatory requirements.
• Maintains service levels to provide established turn times.
• Provides general guidance to Loan Processors and Loan Originators for loan file.
• Assists in internal quality control, audit review issues, and responds to audit findings.
• Stays updated on PMI, GSE, and Portfolio Loan Products.
• Maintains up-to-date knowledge of Mortgage policies and guidelines.
• Responsible for compliance with all Federal Mortgage regulations.
• Proficient in all mortgage department systems related to underwriting.
• Ensures compliance with applicable federal, state and local laws and regulations.
• Maintains knowledge of and adheres to Keesler Federal internal compliance policies and procedures.
• Addresses loan issues in a timely manner to ensure an extraordinary member experience resulting in no disruption to closing date established at time of origination.
• Mentor Mortgage Loan Underwriters I and II with loan decision‑making.
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Ability to Repay/Qualified Mortgage Rule and TRID.

• Other duties as assigned.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position preferred.

• Direct Endorsement Certification and SAR approval required.
• Minimum of 4 years of current mortgage underwriting experience required.
• 2 years of government underwriting experience required.
• Advanced underwriting, advanced tax return analysis, advanced collateral assessment (appraisal analysis).
• Expert knowledge with FHA Connection, FHA EAD, VA WEB LGY, USDA GUS, DU, and LPA.
• Advanced ability to analyze complex income, assets, credit and collateral.
• Advanced problem solving, analytical and resolution skills.

• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).

• FHA Direct Endorsement Certification and VA SAR approval.

Demonstrates the ability to interact professionally and…