This position must be onsite and is available to be filled at any Huntington Corporate office location.

Summary:
Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents are in alignment with product guidelines and supportive of the lending  approval or denial decision made by the Underwriter.

Duties & Responsibilities:

• Underwrite residential first mortgage files (conventional FNMA, FHLMC. Government, FHA/VA - Bond). Diverse portfolio including CRA throughout bank footprint.
• Confidence in underwriting risk-based portfolio product set from our Wealth Management Group.
• Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
• Adhere to all department service level standards for communication, production, and turn-time
• Supportive environment that offers autonomy, customer service and a commitment to doing it right.
• Perform other duties as assigned.

Basic Qualifications:

• High school diploma or equivalent
• Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC)
• Must have recent underwriting experience with all conventional/government lending agencies

Preferred Qualifications: 

• Must obtain DE (Direct Endorsement) Designation within a timeframe established by management 
• Underwriting experience with VA/FHA/USDA preferred
• FHA Direct Endorsement and VA LAPP Authority preferred
• Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
• Strong cash flow analysis skills reviewing complex personal and business tax returns, P-L statements and financial statements
• Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
• Proficient with loan origination software, Desktop Underwriter and Loan Prospector
• Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc
• Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
• Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
• Ability to work in a high volume environment with minimal supervision, while maintaining production service levels
• Strong analytical skills with attention to detail
• Customer service oriented
• Ability to multi-task while maintaining a high-level of flexibility

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Exempt Status: (Yes= not eligible for overtime pay) (No = eligible for overtime pay)

Workplace Type:

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds:  in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.