ERIEBANK, Bank, Mortgage Underwriter (Home Equity)
About The Position
Mortgage Underwriters are detailed-oriented people who will thrive in a time sensitive and sophisticated environment. Underwriters provide support to the Home Equity Team Leader, Mortgage Origination Team, and Lenders. They proactively work with lenders and clients to analyze Home Equity application files to determine product qualifications, while ensuring documentation collected and calculations meet internal policy and ensure compliance standards are being met. This position operates professionally in an office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Requirements
- A high school diploma or general education degree (GED) is required.
- Ability to read, comprehend, and interpret documents.
- Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization.
- Ability to communicate with clients directly and effectively.
- Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use.
- Prior experience or the ability to learn core transaction system, Empower, statement processing system, and any other computer programs pertinent to performing job duties.
- Ability to add, subtract, multiply, and divide in all units of measure.
- Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
- Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
- Ability to solve challenging problems involving several variables in a standardized situation.
Nice To Haves
- Secondary education with related experience preferred.
- Advancement in this career may include demonstration of outstanding loan underwriting abilities, proven leadership, training new department employees, may act as a back up to the team leader and/or team leader promotion.
Responsibilities
- Collaborate with lenders, clients, administrative staff and management to ensure that complete and accurate documentation has been received and analyzed for qualification
- Accurately calculate a variety of different income situations
- Provide timely communication and follow up on assigned loan files
- Appropriately prioritize efforts and focus on timeliness in a fast-paced work environment
- Ensure documentation collected and calculations meet internal policy and compliance standards
- Provide support to the lenders and Home Equity Team Leader
- Seek out opportunities to advance knowledge of rules and regulations that impact the residential mortgage lending process, both internal and external.
- Monitors industry and compliance changes and advancements.
Benefits
- Medical, Dental, Vision & Life Insurance
- 401K with company match
- Paid Time Off & Recognized Holidays
- Leave policies
- Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
- Employee Assistance Program
- Employee Health & Wellness Program
- Special Loan and Deposit Rates
- Gradifi Student Loan Paydown Plan
- Rewards & Recognition Programs
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
