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Mortgage Underwriter 2
F.N.B. CorporationMortgage Underwriter primarily responsible for underwriting residential mortgage loans. Reviewing applications for risk assessment and compliance with guidelines within F.N.B.
About the role
Key responsibilities & impact- Reviews individual loan applications per product specific guidelines to evaluate a degree of risk involved
- Verifies all application information for accuracy and completeness
- Performs income analysis to calculate wages or self-employed income
- Reviews the appraisal report for accuracy, completeness and compliance with HUD, VA or USDA housing standards
- Completes required Government forms (VA Notice of Value, FHA Conditional commitment, etc.)
- Takes action to resolve deficiencies according to agency standards and procedures
- Escalates issues to the Agencies as necessary for resolution
- Complies with regulations regarding approvals and declinations
- Ensures the accuracy of HMDA data and FCRA and ECOA decision reasons on adverse actions
- Underwrites loan applications according to appropriate guidelines
- Approves loans up to a set loan authority
- Advises the Loan Originator on proper loan structuring
- Maintains certifications as required by FHA/VA
- Completes other related duties and projects as assigned
Requirements
What you’ll need- High School or GED
- Minimum 5 years of job-related experience
- Excellent project management skills
- Excellent communication skills, both written and verbal
- Excellent organizational, analytical and interpersonal skills
- Ability to use general office equipment
- Ability to use a personal computer and job-related software
- Basic level in MS Word
- Intermediate level in MS Excel
- Basic level in MS PowerPoint
- Ability to use industry-related software such as Desktop Underwriter, Loan Prospector, Clout, Zippy, eMagic, RMIC, MortgageBot, easyLender, etc. preferred
- Must have at least 1 Government certification (FHA CHUMS number of VA SAR designation)
Benefits
Comp & perks- Equal Employment Opportunity (EEO)
- Discrimination and harassment free workplace
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
Loan Application ReviewIncome AnalysisAppraisal Report ReviewHMDA Data AccuracyFCRA ComplianceECOA ComplianceProject ManagementAnalytical SkillsOrganizational Skills
Soft Skills
Communication SkillsInterpersonal Skills
Certifications
FHA CHUMS NumberVA SAR Designation