Conventional Underwriter

TIB The Independent BankersBank, N.A; Farmers Branch (TX); On-site; USD 65,000 - 95,000; Full time

Job summary

TIB The Independent BankersBank, N.A in Farmers Branch, TX, seeks a Conventional Underwriter to join alongside the Government Underwriter. You will analyze, process, underwrite and close residential mortgage loans in line with policies, regulations, and investor terms.

Key duties include reviewing applications and financials, assessing creditworthiness, coordinating with banks, and ensuring data integrity and compliance. Strong knowledge of underwriting guidelines is essential.

Qualifications

• High school diploma or equivalent required.
• 3-5 years’ mortgage processing experience with wholesale & correspondent loans.
• Knowledge of AUS engines (DU and LP).
• Up-to-date knowledge of Fannie Mae/Freddie Mac underwriting requirements preferred.
• Ability to manage multiple tasks under strict deadlines.
• Detail-oriented and organized; strong interpersonal skills.
• Effective written and verbal communication across levels.
• Proficiency with Microsoft Office; Desktop Originator; Desktop Underwriter; Loan Prospector; Blue Sage LOS or equivalent.

Responsibilities

• Reviews and verifies loan applications and supporting documents.
• Assesses borrower creditworthiness and repayment ability.
• Liaises with wholesale and correspondent banks regarding documentation.
• Renders decisions and communicates risk factors and data integrity.
• Verifies and updates case file data including calculations.
• Monitors rate locks and ensures compliance with LOS/AU terms.
• Audits legal packages to ensure investor/regulatory guidelines.

Skills

Mortgage processing

Credit analysis

Interpersonal skills

Detail-oriented

Communication skills

Education

High school diploma or equivalent

Tools

Microsoft Office (Word/Excel)

Desktop Originator

Desktop Underwriter

Loan Prospector

Blue Sage LOS

Job description

Ranking #9 in the American Banker’s 2025 Best Banks to Work For, TIB is committed to serving as Trusted Partners for community banks and our employees. We take great care to maintain a commitment to excellence and personalized service. We are dedicated to providing a diverse work environment that fosters inclusivity and growth. We offer a best-in-class benefits package that includes comprehensive health, life, and disability coverage, 401(k) retirement savings, generous paid time off, parental leave, tuition reimbursement, and other little extras to make work fun. If this aligns with your values and you want to join a leader in the banking industry, we are hiring for a Conventional Underwriter that works alongside the Government Underwriter, performing a variety of duties pertaining to the analysis of processing, underwriting and closing documents for residential mortgage loans in accordance with policies and procedures, regulations, and investor loan approval terms.

MAJOR DUTIES/ACCOUNTABILITIES

• Reviews and verifies loan applications and supporting documents; including credit reports, tax returns, paystubs, and property appraisals.
• Assesses borrower’s creditworthiness and repayment ability; considering income, debt to income ratios and employment history.
• Serves as the liaison between TIB and wholesale & correspondent banks concerning documentation issues within required timelines.
• Mitigates risks by rendering and communicating decisions to wholesale & correspondent banks which includes data integrity and validity of information submitted to company and all risk factors related to credit, income, assets, appraisals, titles, and surveys.
• Determines loan approval by verifying case file data to include findings and calculations.
• Reconciles loan data by reviewing the Loan Originations and Automated Underwriting Applications Systems, and updates information when applicable.
• Monitors rate locks on loans to ensure that program, product, and other loan feature changes are consistent with LOS/AU terms and guidelines.
• Audits legal packages to ensure compliance with investor and regulatory guidelines.
• Ensures pipeline and pipeline report reflects the most current status for active loans.
• Prepares proper documents on denied or withdrawn applications and updates loan records in computer system.
• Maintains current and relevant knowledge of all guidelines, processes, and systems used within the area; including regulatory, statutory, and investor related issues.
• Maintains a pipeline of loans with responsibility for the timely and compliant flow.
• Provides excellent and consistent customer service by communicating & cooperating with all internal and external customers.
• Clears conditions within designated authority level.
• Complies with all banking laws and regulations, and maintains the confidentiality of bank and customer information.

REQUIREMENTS/DESIRED QUALIFICATIONS

Required

• High school diploma or equivalent
• 3-5 years’ mortgage processing experience with both wholesale & correspondent loans
• Knowledge of AUS engines (DU and LP)
• Ideal candidate will have up-to-date knowledge of Fannie Mae/Freddie Mac underwriting requirements
• Ability to effectively handle multiple tasks under strict time constraints
• Detail-oriented and organized
• Individual should possess good interpersonal skills and be able to work within and foster a team environment
• Ability to communicate effectively, both verbally and in writing, and across all levels
• Software: Microsoft Office (Word and Excel); Desktop Originator; Desktop Underwriter; Loan Prospector, Blue Sage Solutions LOS or equivalent

Preferred

• Prior Conventional Underwriting experience

Qualifications

Skills

Behaviors

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Motivations

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Education

Experience

Licenses & Certifications

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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