Retail Staff Underwriter II

Trustmark National Bank; Birmingham (AL); Remote; USD 68,000 - 90,000; Full time

Job summary

Trustmark National Bank seeks a Retail Staff Underwriter II to support retail and wholesale loan decisions, offering underwriting guidance and scenario-based input in line with GSE requirements. This role emphasizes quality, responsive service, and adherence to investor guidelines.

The position requires 5 years of underwriting experience across FNMA/FHLMC, FHA, USDA and VA loans, as well as DE and SAR certifications and solid Excel/Word skills.

Qualifications

• Education: High School Diploma or GED.
• Experience: 5 years in underwriting FNMA/FHLMC, FHA, USDA and VA loans.
• Additional qualifications: FHA DE certification, VA SAR/cert, and investor loan underwriting experience.
• Knowledge of underwriting guidelines and compliance.

Responsibilities

• Provide assistance to retail and TPO originators with guidelines and income scenarios.
• Maintain a small loan pipeline for final decision under delegated authority.
• Review all appraisal types for final approval and related conditions.
• Stay updated with investor guidelines and participate in refresher trainings.
• Respond to management on QC/QA exceptions.
• Perform additional duties as assigned.

Skills

Underwriting exp

GSE guidelines

Communication skills

Excel/Word

Education

High School Diploma or GED

Tools

DeskTop Underwriter

Mortgage guidelines knowledge

Job description

Retail Staff Underwriter II

Location: US-Multistate | US-MS | US-AL | US-TX | US-FL | US-TN | US-GA

Job ID: 2026-19985

Category: Underwriting

Type: Regular Full-Time

Job Grade: 12

FLSA Status: Exempt

Working Hours: 8am - 5pm

Job Location: Company: 10153 - Telework Multistate

Overview

The responsibilities of this job are to provide support to the retail and wholesale platform in loan decisions, underwriting guidance, and scenario questions based on GSE guidelines and requirements while ensuring and maintaining quality.

Responsibilities

• Provide assistance to both retail and TPO originators, processors, for questions regarding guidelines, income requirements scenarios.
• Maintain a small pipeline of loans to decision for final approval based on underwriting authority delegations.
• Review all appraisal types for final approval including issuing NOV's and HFS/USDA conditional requirements.
• Stay updated and attend refresher training for all investor guidelines.
• Review and respond to management for all QC/QA exceptions.
• Associates are expected to perform all additional duties as assigned.

Qualifications

Education: High School Diploma or GED

Experience: 5 years In underwriting FNMA/FHLMC, FHA, USDA and VA loans

Additional Required Qualifications

• FHA DE certification
• VA SAR and certification
• Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans
• Documented experience in mortgage loan underwriting
• General understanding and knowledge of underwriting and compliance guidelines
• Working knowledge and experience with DeskTop Underwriter System
• Exceptional organizational skills and strong communication skills
• Superior problem-solving skills
• Excellent customer service skills
• Working knowledge of Excel, Word, and other PC applications
• College education preferred

Physical Requirements & Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Disclaimer: Management retains the right to add, delete or modify the responsibilities and qualifications of the position at any time.

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