[Remote] Senior Mortgage Underwriter - Columbia, SC or Remote

Note: The job is a remote job and is open to candidates in USA. First Reliance Bank is seeking a Senior Mortgage Underwriter to underwrite mortgage loan applications and evaluate loans to maximize profit while minimizing risk. The role involves ensuring compliance with lending regulations, providing training to staff, and managing underwriting procedures. Responsibilities • Respond to investor repurchase and quality review requests • Support loan shipping process to clear underwriting purchase issues • Underwrite residential loans while ensuring compliance with appropriate company and secondary market investor standards as well as compliance with lending regulations • Render underwriting decisions and subsequent clearing conditions to ensure credit and investor guidelines are met • Evaluate and examine transactions to ensure accuracy and completeness • Contact customers and partners to gather information to make appropriate decisions • Proactively communicate the decisions to the Residential Lending Specialists and Community Bank Partners with an explanation behind credit decision • Serve as a resource to Residential Mortgage personnel on underwriting questions and provide training for investor, underwriting and compliance related issues • Recommends modifications to underwriting procedures • Provide training as needed to Residential Lending Specialists and Community Bank Partners as requested by Channel Manager • Prepare formal reports for review • Provide feedback on new investor candidates as it relates to underwriting guidelines and delivery procedures • Coordinate third party quality control of mortgage loans and evaluate reports providing feedback concerning closed loan quality and process improvements • Ensure that contractors are trained on investor specific eligibility requirements and guidelines • Negotiate with third party service providers and manage contracts • Implement fraud detection techniques and other evaluation tools to mitigate mortgage lending risk • Performing compliance reviews and comply with regulatory requirements • Respond to individual and investor audits • Coordinate HMDA reporting and evaluation Skills • Bachelor's degree or equivalent experience • 3 - 5 years underwriting experience • DE Certification with a CHUMS number and VA LAPP Approval including FHA and/or VA underwriting experience • Extensive knowledge of quality service discipline • Retail banking experience • Proven communication and customer relation skills • Ability and desire to interact and contribute in a team environment • Ability to use a variety of software tools Company Overview • First Reliance Bank provides consumer and commercial banking services. It was founded in 1999, and is headquartered in Florence, South Carolina, USA, with a workforce of 51-200 employees. Its website is Apply tot his job