Underwriter Specialist Sr

Underwriter Specialist Sr

Job Category : Banking

Requisition Number : UNDER014359

Location : On site in Baton Rouge, LA; Miami Lakes, FL; Coral Gables, FL, Memphis, TN

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.

Underwriter Specialist provides cursory analytical support for Consumer / Portfolio Mortgage underwriting groups including spreading and preliminary analysis of existing customers and prospects.

Essential Duties And Responsibilities :

• Ensures the consumer loan application information provided is accurate and complete
• Performs credit analysis and makes credit decisions within authority limits
• Ensures accuracy of any preliminary analysis presented
• Reviews and analyzes applicable ratios (i.e., DTI, PTI, & LTV)
• Reviews proof of income and financial statement documentation when required by policy
• Provides financial statement spreading on loan request when necessary
• Contacts bankers to gather information to make appropriate decisions and explains loan decision
• Performs other duties as assigned

Requirements :

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank.

Benefit Highlights :

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.