Mortgage Loan Underwriter
German American Bancorp•Evansville, IN
•Onsite
About The Position
As a Mortgage Loan Underwriter, you’re detail-oriented with a knack for analyzing complex information. Utilizing experience in the mortgage industry, you thrive in a fast-paced environment where accuracy and sound decision-making are key. You'll be the go-to expert for underwriting mortgage loan files, ensuring compliance with bank and investor guidelines, including Freddie Mac standards.
Requirements
- 3-5 years of mortgage underwriting experience, including Freddie Mac, investor, and MI company overlay expertise.
- Strong knowledge of conventional loans and government programs.
- Excellent organizational skills to manage timelines from application to closing.
- Ability to work independently while collaborating effectively with your team.
- Solid computer skills (Word, Excel, Windows).
- Strong risk assessment abilities.
- Sharp decision-making skills.
- Professional communication skills.
- Leadership skills.
- Focus on quality customer service.
Responsibilities
- Reviewing, verifying, and analyzing loan documentation, appraisals, and property records.
- Making loan decisions (approve or recommend approvals) and providing clear reasoning for each decision, outlining detailed criteria for any conditions applied.
- Staying current with secondary market underwriting guidelines and communicating updates to the team.
- Delivering complete, accurate files before loans close, and reviewing withdrawn or denied applications to maintain reporting accuracy.
- Suggesting alternative loan structures when needed.
- Providing underwriting support across regions and offering training to Mortgage Loan Originators, Processors, and other staff.
Benefits
- Medical, dental, vision, STD, LTD, Life insurance
- 17 days paid time off
- 11 paid holidays
- Bereavement leave
- Educational assistance program
- Wellness benefits
- Life event coverage
- Paid parental bonding leave
- Service awards
- 401(k) match
- Stock purchase plan
- National and local discounts on everything from computers and vacations to phones and retail shopping.
- Logo wear discounts
- Free checking account, checks and discounted bank services
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
Number of Employees
501-1,000 employees
