Underwriter - Mortgage Loan 3

TDECU • Post Oak, MO

5d • Onsite

About The Position

Evaluate all aspects of loan application for portfolio and conventional, as well as non-conforming and self employed loans to determine approval or denial based on risk, investor guidelines, government regulations and other applicable risk specific to the loan program. This role involves analyzing complex and diversified credit, assets, income and property documentation to confirm compliance with guidelines. The underwriter will approve/deny loans based on HMDA including conventional and portfolio mortgage products, and analyze and calculate SEB for Schedule C. 1065, 1120, 1120S. The position requires staying current on FNMA, PMI, FHLB requirements and industry trends, completing mandatory compliance training, and maintaining required Service Level Agreement while adhering to low regulatory audit findings.

Requirements

• High School Diploma or equivalent experience.
• 3+ years experience underwriting conventional mortgage loans required.
• Knowledge of the underwriting process and applicable criteria, guidelines, and regulations.
• Strong organizational, planning, and time management skills
• Analytical and problem solving skills
• Ability to communicate effective both verbally and in writing.
• Passion for accuracy.
• Substantial ability to prioritize tasks and problem solve for solutions.
• Ability to work in fast paced, constantly changing environment.
• Ability to think strategically and act without being prompted.
• Strong desire to be a part of a collaborative, team-first environment
• Passion for providing best-in-class member service

Responsibilities

• Analyze complex and diversified credit, assets, income and property documentation to confirm compliance with guidelines.
• Approve/Deny loans based on HMDA including conventional and portfolio mortgage products.
• Analyzes and calculates SEB for Schedule C. 1065, 1120, 1120S
• Remain current on FNMA, PMI, FHLB requirements and industry trends
• Complete mandatory compliance training within designated time frame.
• Maintaining required Service Level Agreement while adhering to low regulatory audit findings.
• Perform other job related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 1-10 employees