Mortgage Underwriter

FirstBank; Birmingham (AL); Remote; USD 45,000 - 80,000; Full time

Job summary

An established industry player is seeking a skilled Mortgage Underwriter to join their team. This remote position requires expertise in FHA, VA, and RD guidelines, along with strong analytical skills to assess loan files for compliance. The ideal candidate will have a proven track record in underwriting and exceptional customer service abilities. You'll play a vital role in ensuring timely loan decisions while maintaining communication with loan originators and processors. If you're looking for a rewarding opportunity to make a difference in the mortgage industry, this role is perfect for you.

Qualifications

• 3+ years of underwriting experience with knowledge of FHA, VA, and RD guidelines.
• Ability to manage workflow and communicate effectively.

Responsibilities

• Analyze loan files for compliance with various guidelines.
• Communicate loan decisions to relevant parties in a timely manner.
• Complete data entry into loan tracking systems.

Skills

Underwriting

FHA Guidelines

VA Guidelines

RD Guidelines

Customer Service

Interpersonal Skills

Education

High School Diploma

Associate's Degree

Tools

Loan Tracking Systems

Job description

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Description

This position is remote, but candidates MUST be located in our business footprint. Those areas include: TN, AL, South KY, North GA.

Summary: This position is responsible for providing a loan decision based on an individual’s credit history, financial position, and strength of collateral. This person must have an extensive understanding of FHA, VA, and RD guidelines. The ability to be approachable and manage workflow is essential.

Essential Duties and Responsibilities:

1. Complete, thorough analysis of loan files to determine compliance with FirstBank, investor, FHA, VA, RD, and State Housing guidelines.
2. Respond to post-closing, insuring, and audit reviews in a timely fashion. Communicate loan decision to appropriate parties both orally and/or in writing.
3. Review and clear conditions.
4. Complete all required data entry into FirstBank loan tracking systems.
5. Communicate to Loan Originator and Processor through calls or emails related to FirstBank loan products, underwriting guidelines, loan scenarios, file statuses, etc.
6. Work outside the standard work day, if required.
7. Performs other duties as assigned.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Adherence to Policies and Procedures:

• Attendance
• Punctuality
• Required Training
• Dress Code
• Safety
• Compliance
• Confidentiality

Education And/or Experience:

• High School diploma or GED required, an associate’s degree preferred.
• 3+ years of underwriting experience, with current working knowledge of Fannie/Freddie, FHA/VA, RD, and State Housing guidelines, documents, and terminology.
• Ensure each customer is acknowledged in a friendly and helpful manner.
• Provide prompt and accurate follow through on all customer inquiries, requests, and complaints.
• Offer the customer an alternative if unable to satisfy a request.
• Demonstrate effective interpersonal skills necessary to interact positively with both customers and staff members.

FirstBank does not accept unsolicited resumes from agencies and staffing firms. Recruitment agencies and consultants may not submit resumes directly to managers. FirstBank will not pay fees to any third-party agency or company that does not have a signed agreement as an approved vendor. FirstBank is an Equal Opportunity Employer, including disability.