Mortgage Loan Underwriter

Reporting to the VP, Retail Lending Manager the Mortgage Underwriter will assist in the production of the Retail Lending Department in the areas of underwriting.

This position will be the expert for determining all underwriting criteria, interpretation, forms, and processes in meeting investor, portfolio and mortgage insurance guidelines. The position is responsible for ensuring salability of each investor closed loan, balancing risk management responsibilities with creative judgment to maximize lending opportunities.

Using Lean principles, you will identify improvements for streamlining operations to optimize efficiencies and maximize profitability. You will assist with projects that affect the department and the bank and act as a resource and back-up for other team members in the Retail Lending Department and its supporting departments. Additionally, this position embraces the established sales and service culture while coaching employees to maximize their contribution to the Bank’s goals. This role is solely responsible for residential underwriting activity. Reviews and evaluates application information. Makes approval/denial recommendations or decisions. May interpret underwriting guidelines and keep necessary parties informed relative to changes and updates. Responds to inquiries to provide guidance and clarification.

The Mortgage Underwriter determines underwriting criteria and ensures compliance with investor, portfolio, and mortgage insurance guidelines, balancing risk management and lending opportunities. This role identifies process improvements, assists with departmental projects, and acts as a resource for Retail Lending and related teams. Additionally, this position is solely responsible for residential and consumer underwriting, the position reviews applications, makes approval or denial decisions, interprets guidelines, communicates updates, and responds to inquiries for guidance.

After successful completion of training and proven abilities, this position is eligible for a hybrid work arrangement with an agreed upon number of days per-week/month on site.