Mortgage Underwriter III

Sunflower Financial Inc.; Overland Park (KS); Remote; USD 70,000 - 95,000; Full time

Job summary

A prominent financial institution is seeking a dedicated Mortgage Underwriter III to join their team. In this role, you will make critical lending decisions based on comprehensive reviews of mortgage applications, ensuring compliance with internal policies and regulations. The position offers the flexibility to work fully remote and provides competitive benefits, including a 401(k) plan and insurance coverage. Ideal candidates should have at least 10 years of experience in underwriting and possess strong analytical and communication skills.

Benefits

401(k) Plan with 6% Match

Health/Dental/Vision Insurance

Company-paid Life Insurance

Tuition Reimbursement

Fitness Reimbursement

Paid Time Off

Volunteer Leave

Paid Holidays

Qualifications

• 10+ years of underwriting experience or specific specialty in Construction or Jumbo Non-Conforming.
• FHA Direct Endorsement (DE) approved.
• Excellent organizational, verbal, written, and interpersonal skills.

Responsibilities

• Render final underwriting decisions for mortgage loan applications.
• Apply underwriting rules from multiple sources to review loan applications.
• Educate loan officers and processors about underwriting rules.

Skills

Confidentiality

Organization

Verbal Communication

Written Communication

Interpersonal Skills

Education

Graduation from a 4-year college or university with related major

Tools

Microsoft Office Suite

Job description

Description

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Mortgage Underwriter III. The Mortgage Underwriter III renders a final decision (e.g., approval, disapproval, approval with conditions) for mortgage loan applications in a timely, accurate and compliant manner. This position reviews loan applications based on factors such as capacity, credit history, capital, and collateral in compliance with company policy, contracts, investor guidelines, lending programs and state and federal laws and regulations.

This position is under consideration to work fully remote.

• Render a final underwriting decision (e.g., approved, suspend, denied) for mortgage loan applications based on factors such as capacity, credit history, capital and collateral.
• Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications. Formulate approval conditions, as appropriate.
• Review each loan file to verify documents are present, accurate, accurately calculated, compliant and sufficiently complete for an underwriting decision. Review and reach an underwriting decision on the appraisal.
• Accurately answer questions from and educate loan officers, loan processors, and other appropriate personnel about underwriting rules and how they apply to individual loan applications. Review and answer loan scenario questions from loan officers.
• Perform necessary computer-based functions for both internal and external IT systems. Conduct online research.
• Meet ongoing, short deadlines with regard to underwriting, closing, etc.
• Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs and state and federal law and regulation.
• Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.

Education / Experience Preferred:

• Graduation from a 4-year college or university with related major, preferred
• At least 10+ years of underwriting experience, or a specific specialty (Construction and/or Jumbo Non-Conforming)
• FHA Direct Endorsement (DE) approved
• Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR)
• Must have a minimum of two of the following specialty areas
• Portfolio Lending
• Construction One Time and/or Two Time Close
• Jumbo Non-Conforming
• USDA preferred but not required
• Knowledge of Construction One Time and Two Time Close underwriting
• Knowledge of Jumbo Non-Conforming Service Release underwriting
• Must be proficient in Microsoft Office Suite.
• Must possess excellent verbal, written and interpersonal skills.
• Must possess excellent organization and multi-tasking skills.
• Ability to maintain confidentiality.

Pay is dependent on knowledge, skills, abilities, experience, and location.

Sunflower Bank Benefits

Employees enjoy outstanding benefits, including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many more employee perks & incentives!

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives and we know that starts with our team.

If you qualify, apply online at www.sunflowerbank.com/careers.

You’ve never worked anyplace like Sunflower Bank!

EOE/AA: Minorities/Females/Disabled/Vets

We accept applications on an ongoing basis until the role is filled. There is no fixed deadline to apply.

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