Mortgage Loan Underwriter
PALMETTO CITIZENS FED CREDIT UNION (4040) - Columbia, SC
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Overview ::: {source=' sans=' pro';=' font-size:=' 15px;=' font-style:=' font-variant-ligatures:=' font-variant-caps:=' font-weight:=' 400;=' letter-spacing:=' orphans:=' text-align:=' start;=' text-indent:=' text-transform:=' none;=' widows:=' 2;=' word-spacing:=' -webkit-text-stroke-width:=' 0px;=' white-space:=' normal;=' background-color:=' rgb(255,=' 255,=' 255);=' text-decoration-thickness:=' text-decoration-style:=' initial;=' text-decoration-color:=' initial;'='} The Mortgage Loan Underwriter evaluates and approves real estate and residential mortgage loans, ensuring they meet quality standards and regulatory requirements. They assess risk, manage exceptions, and resolve any issues, all while following Credit Union loan policies and procedures. ::: Responsibilities ::: {source=' sans=' pro';=' font-size:=' 15px;=' font-style:=' font-variant-ligatures:=' font-variant-caps:=' font-weight:=' 400;=' letter-spacing:=' orphans:=' text-align:=' start;=' text-indent:=' text-transform:=' none;=' widows:=' 2;=' word-spacing:=' -webkit-text-stroke-width:=' 0px;=' white-space:=' normal;=' background-color:=' rgb(255,=' 255,=' 255);=' text-decoration-thickness:=' text-decoration-style:=' initial;=' text-decoration-color:=' initial;'='} Underwrites ethical and salable real estate and residential mortgage loans and evaluates risk while ensuring the quality of each loan submitted. ```{=html} ``` 2. Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying Credit Union loan policies and procedures. Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function. ```{=html} ``` 3. Evaluates all documents and conditions loan accordingly and identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation. ```{=html} ``` 4. Clears or resolves any issues and escalates integrity issues as appropriate and ensures files are compliant with internal guidelines and external regulatory requirements. ```{=html} ``` 5. Maintains knowledge of loan product guidelines, internal loan policies and procedures, and regulatory requirements. Coaches and mentors assigned operations staff and assists with training and guidance as assigned. ```{=html} ``` 6. Underwrites and evaluates Home Equity and Residential Mortgage Loan transactions. Underwrites conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with credit union loan policies and procedures. ::: Qualifications ::: {source=' sans=' pro';=' font-size:=' 15px;=' font-style:=' font-variant-ligatures:=' font-variant-caps:=' font-weight:=' 400;=' letter-spacing:=' orphans:=' text-align:=' start;=' text-indent:=' text-transform:=' none;=' widows:=' 2;=' word-spacing:=' -webkit-text-stroke-width:=' 0px;=' white-space:=' normal;=' background-color:=' rgb(255,=' 255,=' 255);=' text-decoration-thickness:=' text-decoration-style:=' initial;=' text-decoration-color:=' initial;'='} Effective mortgage loan document and product/parameter expertise. Must be able to work in a fast-paced environment, accountable and responsible, detail oriented, organized, proactive and self-motivated. Ability to learn quickly in an environment of constant change and effectively apply knowledge. Proficiency with automated underwriting systems (Desktop Underwriter and Loan Prospector) Pass all annual training requirements. Excellent attention to detail. Well versed in mortgage loan process flow. Highly skilled on the telephone, organized and able to handle overall member experience with outstanding service. Prior experience 5+ years of mortgage loan underwriting or similar position. Ability to read, analyze and nterpret government regulations, agency guideline update and interpret internal lending policy. Ability to effectively present information and respond to questions from groups of managers, clients, members, and the gen1eral public. []{style='box-sizing: border-box; font-family: verdana, geneva; color: rgb(32, 33, 36); font-size: '} :::
Created: 2024-09-20