Mortgage Underwriter II

Employment Type: Regular

Language Fluency: English (Required)

Work Shift: 1st shift (United States of America)

In‑office expectations: This role will be in office 5 days/week.

Underwriter responsible for underwriting residential mortgage loans to ensure compliance with bank, investor, and secondary market standards. Communicates with processors, originators, and internal and external customers. Meets performance standards and goals established by the bank. Approves acceptable loans within maximum conforming and/or non‑conforming lending limits.

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

• Perform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating income type, conducting complex financial analysis, analyzing title reports and lien information, reviewing financial statements, and reviewing all additional documentation prior to approval.
• Ensure that all loan files are documented to meet portfolio and investor guidelines to ensure marketability and maintain quality standards.
• Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation; demonstrated expertise with two or more of the following categories preferred – GSE, Government, Portfolio – and/or expertise in government lending.
• Ensure loans are adequately conditioned to meet Mortgage Lending products, policies, processes, and their required documentation.
• Adhere to all compliance regulations and controls.
• Conduct proactive and effective pipeline management to ensure that metrics are met.
• Develop and maintain positive working relationships with co‑workers, internal and external clients, business partners, and vendors.
• Cultivate relationships with peers as a peer mentor.
• Lending authority will be granted based on experience and mastery of the certification program and/or demonstrated proficiency in underwriting mortgage loans.

• Minimum three years of mortgage loan underwriting experience; history of comparable lending authority limit.
• Excellent communication skills, both written and verbal, in relating to internal and external clients.
• Demonstrates proficiency in basic computer applications, such as mortgage automated processing systems and Microsoft Office software products.
• Bachelor's degree in business or related field, or equivalent education or related training.
• Ability to travel, occasionally overnight.

• Basic knowledge of bank services and products.
• Direct Endorsement and Staff Appraisal Reviewer Certifications.
• Familiarity with Automated Underwriting Systems (e.g., DU, LP, GUS).
• FHA/VA/Bond Experience.
• Jumbo, Wealth, and Construction to Perm Experience.

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax‑preferred savings accounts, and a 401(k) plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full‑time or part‑time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.

For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non‑temporary position for which you apply, based on full‑time or part‑time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

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