Mortgage Underwriter

COCC; Greenwich (CT); On-site; USD 80,000 - 90,000; Full time

Job summary

COCC, a community bank in Fairfield County, seeks a Mortgage Underwriter to support its residential lending team. The role focuses on underwriting residential mortgages and HELOCs, ensuring compliance, accuracy, and exceptional service throughout the lending process.

You will review loan documents, prepare presentations for Bank Loan Committee, and collaborate with the Chief Lending Officer and team to support residential lending activities with timely communication and follow-up.

Qualifications

• Experience underwriting residential mortgage loans to Fannie Mae guidelines
• Strong credit documentation and file review skills
• Ability to review title reports, insurance policies and flood certificates
• Excellent written and verbal communication
• Detail-oriented with accuracy and thoroughness
• Bachelor's degree or 5+ years banking experience preferred

Responsibilities

• Review residential mortgage and HELOC applications per guidelines
• Prepare loan presentations for Loan Committee review/approval
• Review reports to support underwriting decisions
• Request outstanding conditions and required documents
• Clear loan files for closing and verify conditions
• Ensure compliance with lending regulations and internal policies
• Review legal documents, title reports, insurance, and flood certs
• Collaborate with Lending leadership to support activities
• Provide responsive, professional customer service

Skills

Residential lending

Underwriting

Attention to detail

Written and verbal communication

Microsoft Word & Excel

Banking systems knowledge

Fannie Mae guidelines

Title reports review

LaserPro (Finastra)

Education

Bachelor's degree

Tools

Finastra D+H LaserPro

Job description

Our client, an established community bank in Fairfield County, is seeking a Mortgage Underwriter to support its residential lending team. This role is ideal for a detail oriented lending professional with experience underwriting residential mortgage loans and home equity lines of credit while ensuring compliance, accuracy, and exceptional service throughout the lending process.

What You'll Do

• Review and analyze residential mortgage loan and HELOC applications using Fannie Mae underwriting guidelines
• Prepare written loan presentations for Bank Loan Committee review and approval
• Review credit reports, appraisals, and other third party reports to support underwriting decisions
• Follow up with borrowers to obtain outstanding loan conditions and required documentation
• Clear loan files for closing and ensure all conditions have been satisfied
• Ensure compliance with all applicable lending regulations and internal policies
• Review legal documentation, title reports, insurance policies, and flood certifications
• Partner with the Chief Lending Officer, Residential Credit Manager, Mortgage Loan Processor, and Loan Originators to support residential lending activities
• Deliver responsive and professional customer service through timely communication and follow up

What You'll Bring

• Experience in residential lending and underwriting residential mortgage loans to Fannie Mae guidelines
• Strong understanding of credit documentation and underwriting file review
• Ability to review legal documents, title reports, insurance policies, and flood certificates
• Strong written and verbal communication skills
• Excellent attention to detail with a commitment to accuracy and thoroughness
• Ability to thrive in a fast paced environment
• Proficiency with Microsoft Word and Excel
• Ability to learn and utilize banking systems and software
• Familiarity with Finastra D+H LaserPro software
• High standards of integrity, ethics, and adherence to policies and procedures
• Consistent commitment to supporting organizational goals and values
• Bachelor's degree or a minimum of five years of experience in banking or a related environment preferred

This is an on-site position with flexibility for bad weather/emergencies/etc. The salary range for this position is $80,000 - $90,000.