Mortgage Consumer Loan Underwriting Associate

Job Description

SUMMARY

This position is designated for entry level candidates/recent college graduates who are passionate about developing a career in consumer loan underwriting (mortgage, home equity loans/lines). This role offers exposure to the home loan lending industry and real estate with opportunities for growth. Training will be provided.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Make credit decisions on conventional mortgage and home equity loan applications.
• Review income, asset, credit and appraisal documents.
• Provide support to the senior underwriting staff by reviewing loan conditions regarding credit, income, and collateral risk.
• Work within specified time frames to assist in closing loans in a timely manner.
• Maintains the confidentiality of the information reviewed.
• Maintains and improves personal knowledge and skills.
• Ensuring compliance with company policies and guidelines.
• Analyzing risk and requesting additional documentation as necessary.
• Staying up to date agency guidelines, products and recent regulatory changes.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Performs other duties as requested by manager
• Provide exceptional servicing support to customers and loan officers
• Adherence to all First United Policies and Procedures
• Other miscellaneous duties as assigned

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

• Bachelor’s degree in business, finance, accounting, economics or related field.
• 0-5 years relevant work experience or internship experience in finance, mortgage, accounting, banking or related field.
• Self-motivated and proactive.
• Detail-oriented and highly organized. Ability to manage multiple tasks efficiently.
• Ability to lead by example and participate as an effective member; conducts self as a professional.
• Excellent customer service skills.

Technical/Functional Competencies

Strong written and verbal communications skills.

• Ability to work in a team environment to resolve problems
• Proficient computer skills.
• Exceptional customer service skills.
• Willingness to accept additional responsibilities. Good problem-solving and decision-making skills.
• Dependable and adheres to timelines and schedules.
• Takes initiative in development and completion of projects.
• The ability to use email, phone, and other communication tools are necessary.
• Strong interpersonal skills and ability to work well with a wide range of people.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations:

Plano-Parkwood