Mortgage Underwriter III

Job Type

Full-time

Mortgage Underwriter III – Full-time

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates.

Learn more about Sunflower Bank, N.A. at

• Render a final underwriting decision (e.g., approved, suspend, denied) for mortgage loan applications based on factors such as capacity, credit history, capital, and collateral.
• Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications and formulate approval conditions as appropriate.
• Review each loan file to verify documents are present, accurate, and compliant, and reach an underwriting decision on the appraisal.
• Accurately answer questions from and educate loan officers, loan processors, and other appropriate personnel about underwriting rules and how they apply to individual loan applications.
• Perform necessary computer-based functions for both internal and external IT systems and conduct online research.
• Meet ongoing, short deadlines with regard to underwriting, closing, etc.
• Adhere to rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs, and state and federal law and regulation.
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

• Graduation from a 4-year college or university with a related major, preferred.
• At least 10+ years of underwriting experience or a combination of mortgage processing and underwriting experience.
• Experience with Conventional FNMA & FHLMC.
• FHA Direct Endorsement (DE) approved.
• Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR).
• Minimum of two of the following specialty areas preferred but not required:
  Portfolio Lending, Construction One Time and/or Two Time Close, or Jumbo Non-Conforming.
• USDA experience preferred but not required.
• Knowledge of Construction One Time and Two Time Close underwriting preferred but not required.
• Knowledge of Jumbo Non-Conforming Service Release underwriting.
• Down payment assistance program knowledge preferred but not required.
• Proficiency in Microsoft Office Suite.
• Excellent verbal, written, and interpersonal skills.
• Excellent organization and multi-tasking skills.
• Ability to maintain confidentiality.

Pay is dependent on knowledge, skills, abilities, experience, and location.

The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds.

Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.

People choose to "bank" with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.

We are:

• Rooted in Strength
• Propelled by Growth
• Individuals in a Great Whole
• Creating Possibility
• Community Focused

Associates enjoy outstanding benefits, including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more associate perks & incentives

EOE/AA:
Minorities/Females/Disabled/Vets

Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

We accept applications on an ongoing basis until the role is filled. There is no fixed Final date to receive applications.

If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

Apply online at