Retail Staff Underwriter II

Trustmark Bank; Mobile (AL); On-site; USD 60,000 - 100,000; Full time

Job summary

Trustmark Bank is seeking an experienced mortgage loan underwriter to support both retail and wholesale platform teams. You will assist originators and processors with guidelines, income scenarios, and underwriting decisions, while maintaining a quality-focused approach.

The role requires 5+ years in underwriting for FNMA/FHLMC, FHA, USDA and VA loans, plus DE certification and VA SAR where applicable. Expect to review appraisals, ensure investor guideline compliance, and manage QA feedback.

Qualifications

• 5 years in underwriting FNMA/FHLMC, FHA, USDA and VA loans
• Documented experience in mortgage loan underwriting
• General understanding and knowledge of underwriting and compliance guidelines
• Working knowledge and experience with DeskTop Underwriter System

Responsibilities

• Provide assistance to both retail and originators, processors, for questions regarding guidelines and income scenarios
• Maintain a small pipeline of loans to decision for final approval
• Review all appraisal types for final approval including issuing NOVs 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
• Perform any additional duties as assigned

Skills

Organizational skills

Communication skills

Customer service

Problem solving

Education

High School Diploma or GED

FHA DE certification

VA SAR and certification

Tools

Desktop Underwriter

Excel

Word

Job description

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.

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

• High School Diploma or GED
• 5 years In underwriting FNMA/FHLMC, FHA, USDA and VA loans
• 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 applicationsCollege 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.

Trustmark Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings on this site. Resumes submitted to any Trustmark Bank employee by a third-party agency and/or search firm without a valid, written search agreement signed by Trustmark, will become the sole property of Trustmark Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.