Retail Staff Underwriter II

Trustmark National Bank; Charlotte (NC); Remote; USD 85,000 - 120,000; Full time

Job summary

Trustmark National Bank in Charlotte area is seeking a Retail Staff Underwriter II to support retail and wholesale loan decisions, applying GSE guidelines and ensuring quality.

The role involves assisting originators, managing pipeline, reviewing appraisals and staying current with investor guidelines; strong communication and Excel skills required.

Qualifications

• High School Diploma or GED.
• 5 years of underwriting FNMA/FHLMC, FHA, USDA and VA loans.
• FHA DE certification.
• VA SAR and certification.
• Experience underwriting FNMA/FHLMC/FHA/VA/USDA Rural Housing investor loans.
• Documented mortgage loan underwriting experience.
• Knowledge of underwriting and compliance guidelines.
• DeskTop Underwriter experience.
• Strong organizational and communication skills.
• Proficient in Excel and Word.

Responsibilities

• Assist retail and TPO originators with guidelines and income scenarios.
• Maintain a small loan pipeline for final approval within authority delegations.
• Review appraisal types for final approval including NOVs and conditional requirements.
• Stay updated on investor guidelines and training.
• Address QC/QA exceptions and report to management.
• Perform additional duties as assigned.

Skills

Underwriting expertise

FNMA/FHLMC guidelines

FHA/VA/USDA knowledge

Desktop Underwriter (DU)

Communication skills

Education

High School Diploma or GED

College education preferred

Tools

DeskTop Underwriter

Microsoft Excel

Microsoft Word

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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