Mortgage Loan Underwriter II

NBH Bank; Denver (CO); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Generous benefits package

401k

Paid time off

Paid time off

Associate banking perks

Job summary

A financial institution in Denver is seeking a Mortgage Loan Underwriter II responsible for analyzing loan files to ensure compliance with guidelines and communicating decisions effectively. With a minimum of 5 years in the mortgage industry and 3 years of underwriting experience, the ideal candidate will excel in building relationships and solving complex issues. This role offers a great benefits package and an opportunity to impact the community positively.

Qualifications

• 5+ years of mortgage industry experience.
• 3+ years underwriting experience.
• 3+ years underwriting experience.
• FHA-DE and VA-SAR required
• Experience with Texas equity lending

Responsibilities

• Analyze loan files for compliance with guidelines.
• Communicate loan decisions to appropriate parties.
• Build relationships with internal and external clients.
• Develop relationships with internal/external clients and provide guideline interpretations.
• Maintain knowledge of automated underwriting and related regulations; meet production goals while ensuring quality.

Skills

State and federal regulations knowledge

Critical thinking

Problem-solving skills

Communication skills

Organizational skills

Education

Bachelor's Degree or equivalent

Job description

It starts with our culture...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.

As a Mortgage Loan Underwriter II, you will complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards. You will be responsible for a variety of tasks including evaluating the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product. You will be handling exception items and resolving complex issues. As the Mortgage Loan Underwriter II, you will also communicate decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing, and be available to processors and mortgage bankers for general guideline interpretations and questions on specific loan files.

Additionally, you are expected to continually exhibit an understanding of automated underwriting and guidelines, check accuracy of all calculations, and meet or exceed productions goals while maintaining quality requirements. You will proactively develop relationships with key internal and external clients, gaining recognition as a Residential Banking team resource, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements

• Bachelor’s Degree or equivalent combination of education and related work experience.
• 5+ years of mortgage industry experience
• 3+ years underwriting experience

Desired Qualifications

• 5+ years of underwriting experience.
• FHA-DE and VA-SAR required
• Experience with Texas equity lending

Skills and Abilities

• Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; the FHLMC, FNMA, FHA rules and processes
• Thorough understanding and working knowledge of Texas Equity loan regulations, as well as TDHCA, Texas Vet, and TSAHC bond programs
• Ability to act as FHA/DE, and VA/SAR
• Ability to prioritize competing demands and effectively manage multiple tasks and/or projects.
• Strong verbal, written and interpersonal communication skills with the ability to read reports, correspondence and procedures, speak clearly to clients and associates.
• Must be able to deal with ambiguity, think critically, solve problems creatively, plan and meet deadlines, demonstrate strong sense of personal accountability.
• Strong analytical ability to synthesize and communicate complex information.
• Organization skills with the ability to utilize time efficiently.

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients.

Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

• Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head‑neck‑shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday.
• Office setting with hours ranging from 8am to 5pm core schedule with frequent flexibility for start and ending times along with after‑hours assistance for approvals, projects, rollouts, and upgrades.
• Must be able to work at a rapid pace for long periods of time (typically no longer than 10 hours).
• The above description reflects the general details of the job described and is not to be construed as inclusive of every work requirement that may be inherent in the job.

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

If this is what you believe in, then you’re definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.