Senior Mortgage Underwriter - Mt Pleasant, SC or Remote
About the position Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss. Responsibilities • Underwriting • 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. Requirements • 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. Apply tot his job