Mortgage Underwriter II: Risk, Accuracy & Growth

Bangor Savings Bank; Andover (MA); On-site; USD 74,000 - 102,000; Full time

Job summary

Bangor Savings Bank in Andover, MA is seeking an Underwriter at multiple levels to assess residential mortgage and consumer loan applications, ensuring compliance with agency, bank and regulatory requirements.

You will review documentation, determine risk, communicate decisions to lenders, and mentor junior staff while supporting process improvements across underwriting.

The role requires strong analytical skills, attention to detail, and experience with loan origination systems such as Encompass.

Qualifications

• High school diploma or equivalent.
• College, business, banking, or professional training helpful.
• 2-3 years of mortgage documentation/regulatory experience.
• Strong analytical and detail-oriented.
• Proficiency with Microsoft Office.
• Strong communications skills, verbal and written.

Responsibilities

• Review mortgage and consumer loan applications to determine needed disclosures.
• Register loans with FHA/VA.
• Assign documents to proper folders.
• Communicate loan file status and missing information.
• Make consumer credit decisions within set limits.
• Maintain knowledge of multiple loan product guidelines.
• Serve as SME backup for mortgage operations.

Skills

Mortgage underwriting

Regulatory experience

Analytical skills

Microsoft Office

Communication skills

Independent work

Education

High school diploma or equivalent

College/business, banking training helpful

Tools

Encompass Loan Origination System

ACTion

Job description

Bangor Savings Bank in Andover, MA is seeking an Underwriter at multiple levels to assess residential mortgage and consumer loan applications, ensuring compliance with agency, bank and regulatory requirements.

You will review documentation, determine risk, communicate decisions to lenders, and mentor junior staff while supporting process improvements across underwriting.

The role requires strong analytical skills, attention to detail, and experience with loan origination systems such as Encompass.