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Senior Mortgage Underwriter

Company: FHLB Des Moines
Location: Denton
Posted on: April 4, 2021

Job Description:

TX - Denton - 76210 - 3111 Unicorn Lake Boulevard This position reviews residential loan packages ensuring compliance with appropriate Bank, secondary market Investor standards, and all applicable laws; examines loan documentation for accuracy and completeness; partners with Loan Originators, Branch Managers and Processors relating to the communication of their loan decisions and financial analysis. Responsibilities

  • Underwrite FHA, VA, Conventional conforming and non-conforming mortgage loans following company, investor, and government standards.
  • Evaluate credit / employment history, and financial status of mortgage loan files to determine credit worthiness in compliance with requirements
  • Analyze loan documentation such as credit reports, verification of employment, paystubs, verification of deposit, tax returns, bank statements, appraisals, and all other supporting documentation provided
  • Provide loan and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate and fees
  • Identify and review all necessary due diligence items
  • Ensure compliance with federal agencies including FNMA, FHLMC, HUD, and VA
  • Effectively communicate loan decision to loan originator and processor
  • Negotiate terms & conditions of loan with originator and processor
  • Maintain knowledge of underwriting guidelines and loan programs
  • Perform other job-related duties assigned to include:
  • Update trailing exception items from each investor
  • Assist manager with renewal contract, etc.
  • Assist during audits and exams
  • Assist Documentation Specialist as needed
  • Immediately refer unusual or suspicious activity or transactions to the BSA officer Qualifications
    • Minimum High School/GED
    • Preferred 4 Yr/Bachelor Degree or 4 years of relevant experience
    • Minimum 5 years' experience in banking or financial institution, preferably in Mortgage.
    • Required Mortgage Underwriter FHADE certification
    • Strong analytical decision-making and problem-solving abilities
    • Ability to determine proper documentation to adhere to each investor's guidelines.
    • Proficiency with computer systems including MS Office (Word, Excel, and Outlook), Internet Browsers, and email functions required
    • Knowledge of current FNMA, FHLMC, HUD, VA, and investor guidelines
    • Knowledgeable in mortgage software applications
    • Speed and accuracy with typing skills
    • Excellent organization skills
    • Excellent verbal and written communication skills
    • Ability to work under minimal supervision
    • Excellent appraisal analysis skills
    • Experience reporting, analyzing, and interpreting data
    • Experience effectively managing relationships with internal and external partners
    • Ability to work in a fast-paced and changing environment
    • Ability to prioritize and adhere to tight deadlines
    • Registered mortgage underwriter preferredJob Details:Regular Independent Financial (IF) is host to a diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team.-- Let's discover new opportunities, together. Become part of a team that provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professionals and individuals. ______________________________________________________ All full-time and part-time roles that are regularly scheduled for 30 or more hours per week are benefits eligible . We are pleased to provide industry-leading benefits, resources and support to our employees. ______________________________________________________ To be considered for this position, you must at least meet the basic qualifications.
      No phone calls or direct e-mails please.
      Pre-employment background screening will be conducted. Independent Financial is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of age, ancestry, color, gender (including pregnancy, childbirth, or related medical conditions), gender identity or expression, genetic information, marital status, medical condition, mental or physical disability, national origin, protected family care or medical leave status, race, religion (including beliefs and practices or the absence thereof), sexual orientation, military or veteran status, or any other characteristic protected by federal, state, or local laws.
      The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777.

Keywords: FHLB Des Moines, Denton , Senior Mortgage Underwriter, Accounting, Auditing , Denton, Texas

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