The Residential Lending Underwriter underwrites all loans and discusses conditions with the departments loan originators. This position reviews loan scenarios, prints, and issues approvals and all forms necessary to complete files.
In this role, you will asset review oftentimes is equally complex due to higher net worth borrowers with multiple sources and percentages of liquidity including cash, vested stock shares, unvested restricted stock, multiple retirement vehicles and equity ownership interests that must be utilized for qualifying purposes using different qualifying guideline parameters.
Ensures documents are audited, under general supervision and in a timely manner to meet objectives and quality standards for clients. Interacts with others to provide assistance, support answering inquires and resolve more complex issues while adhering to procedures.
This role is responsible for profitable growth of commercial flood business through evaluation, selection, acceptance, rejection, pricing and servicing of commercial flood policies within accepted company risk framework.
In this role, the selected candidate will be responsible for identifying, gathering, and analyzing relevant information to assess credit risk, establish viability of sources of repayment, and determine appropriate loan structures.
In this role, you will be responsible to assist in initial evaluation of defects on closed loan transactions which determines whether or not the loan can be cured and if it poses a valid salability concern.
In this role, the selected candidate will review loan to value ratio, credit reports, applications, etc. on the most complex applications, to ensure each loan meets company standards for sales into the secondary market.
A Senior Mortgage Underwriter works under limited supervision and renders credit decisions by evaluating residential mortgage customer applications; underwrites loans at all complexity and loan amount levels.
In this role, you will analyzes, evaluates and approves indirect consumer loan and lease applications, including but not limited to auto loans and leases, RV loans and boat loans in accordance with industry and business unit standards.