Underwriter Senior - Home Lending

Huntington National Bank•Columbus, OH

1d•Hybrid

About The Position

Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents are in alignment with product guidelines and supportive of the lending approval or denial decision made by the Underwriter.

Requirements

High school diploma or equivalent
Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC)
Must have recent underwriting experience with all conventional/government lending agencies

Nice To Haves

Must obtain DE (Direct Endorsement) Designation within a timeframe established by management
Underwriting experience with VA/FHA/USDA preferred
FHA Direct Endorsement and VA LAPP Authority preferred
Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
Strong cash flow analysis skills reviewing complex personal and business tax returns, P-L statements and financial statements
Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
Proficient with loan origination software, Desktop Underwriter and Loan Prospector
Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc
Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
Ability to work in a high volume environment with minimal supervision, while maintaining production service levels
Strong analytical skills with attention to detail
Customer service oriented
Ability to multi-task while maintaining a high-level of flexibility

Responsibilities

Underwrite residential first mortgage files (conventional FNMA, FHLMC. Government, FHA/VA - Bond).
Diverse portfolio including CRA throughout bank footprint.
Confidence in underwriting risk-based portfolio product set from our Wealth Management Group.
Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
Adhere to all department service level standards for communication, production, and turn-time.
Supportive environment that offers autonomy, customer service and a commitment to doing it right.
Perform other duties as assigned.