Mortgage Servicing - Mortgage Loan Underwriter II

NBH Bank•Colorado Springs, MO

1d•Remote

About The Position

THIS POSITION MAY BE REMOTE FROM KANSAS, MISSOURI, COLORADO, NEW MEXICO, TEXAS OR UTAH. It starts with our culture... Common sense has never been common. If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions. That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings. We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work. As a Mortgage Loan Underwriter II, you will complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards. You will be responsible for a variety of tasks including evaluating the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product. You will be handling exception items and resolving complex issues. As the Mortgage Loan Underwriter II, you will also communicate decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing, and be available to processors and mortgage bankers for general guideline interpretations and questions on specific loan files. Additionally, you are expected to continually exhibit an understanding of automated underwriting and guidelines, check accuracy of all calculations, and meet or exceed productions goals while maintaining quality requirements. You will proactively develop relationships with key internal and external clients, gaining recognition as a Residential Banking team resource, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position. All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Requirements

Bachelor’s Degree or equivalent combination of education and related work experience.
5+ years of mortgage industry experience
3+ years underwriting experience
Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; the FHLMC, FNMA, FHA rules and processes
Proficiency with computer systems including MS Office (Word, Excel, and Outlook) and Internet Browsers
Ability to prioritize competing demands and effectively manage multiple tasks and/or projects.
Strong verbal, written and interpersonal communication skills with the ability to read reports, correspondence and procedures, speak clearly to clients and associates.
Must be able to deal with ambiguity, think critically, solve problems creatively, plan and meet deadlines, demonstrate strong sense of personal accountability.
Strong analytical ability to synthesize and communicate complex information.
Organization skills with the ability to utilize time efficiently.

Nice To Haves

Bachelor’s degree
5+ years of underwriting experience.
FHA-DE and VA-SAR required
Experience with Texas equity lending
Thorough understanding and working knowledge of Texas Equity loan regulations, as well as TDHCA, Texas Vet, and TSAHC bond programs
Ability to act as FHA/DE, and VA/SAR

Responsibilities

complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards
evaluating the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product
handling exception items and resolving complex issues
communicate decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing
be available to processors and mortgage bankers for general guideline interpretations and questions on specific loan files
continually exhibit an understanding of automated underwriting and guidelines
check accuracy of all calculations
meet or exceed productions goals while maintaining quality requirements
proactively develop relationships with key internal and external clients, gaining recognition as a Residential Banking team resource
build a great rapport with clients and fellow associates
treat others with respect and consideration regardless of their status or position
maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements