Retail Staff Underwriter II

Trustmark; Tuscaloosa (AL); On-site; USD 60,000 - 80,000; Full time

Job summary

A financial services company is seeking a Mortgage Underwriter to provide support for retail and wholesale platforms, assist underwriters, and maintain a loan pipeline during peak volumes. The ideal candidate has at least 5 years of experience in mortgage loan underwriting and must be designated as FHA DE and VA SAR underwriter within 6 months of hire. The role includes reviewing tax returns and ensuring compliance with investor guidelines.

Qualifications

• Documented experience in mortgage loan underwriting.
• General understanding and knowledge of underwriting and compliance guidelines.
• Designated as an FHA DE underwriter within 6 months of hire.

Responsibilities

• Provide assistance to underwriters/originators/processors for questions.
• Maintain a small pipeline of loans during peak volumes in underwriting.
• Review and submit tax returns to LoanBeam.

Skills

5 years' experience in mortgage loan underwriting

Exceptional organizational skills

Ability to communicate well

Superior problem-solving skills

Education

High school education

College education preferred

Tools

DeskTop Underwriter System

Job description

The purpose of this job is to provide support to the retail and wholesale platform for items such as scenarios, underwriting guidance, review and submit tax returns to LoanBeam, review and issue VA NOV’s for VA appraisals, as well as underwrite a small pipeline of retail mortgage loans to assist in times of high underwriting volumes.

Responsibilities

• Provide assistance to underwriters/originators/processors for questions, scenarios, guidelines, etc. Act as consultant by phone and e-mail on loan questions / problems to originators and processors that have not been decisioned by an underwriter.
• Maintain a small pipeline of loans to decision during peak volumes in underwriting.
• Review and submit tax returns to LoanBeam to provide income calculations to be used for qualifying. Review and issue VA NOV’s for VA appraisals
• Keep informed of all investor guidelines
• Perform other work-related duties as assigned by supervisor
• Review and respond to management regarding quality control exceptions
• Perform additional duties as assigned.

Qualifications

• High school education
• 5 years’ experience in mortgage loan underwriting
• Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans
• Designated as an FHA DE underwriter Within 6 months of hire
• Designated as a VA SAR within 6 months of hire
• Designated as a VA Lapp underwriter within 6 months of hire
• 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 ability to efficiently handle workflows
• Ability to communicate well
• Superior problem-solving skills
• College education preferred

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

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

About the company

Trustmark Mutual Holding Company, through its subsidiaries and operating divisions, offers a range of employee benefits, with specialized expertise in voluntary benefits, self-funded health benefit plan design and administration, and employee health an...

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