CNB Bank, Mortgage Underwriter (Home Equity)

CNB Financial Corporation•Clearfield, PA

4h•Onsite

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. Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

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.
Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

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
Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives
Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results
Seeks to implement and leverage services and technologies that create efficiencies
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.
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.

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 and much more!