Senior Mortgage Underwriter - Conforming, FHA, VA & RD

Renasant Bank; Birmingham (AL); On-site; USD 60,000 - 90,000; Full time

Job summary

Renasant Bank is seeking a Staff Underwriter to evaluate conventional, FHA, Rural Development, State Authority, and VA loan files for both retail and wholesale channels. You will verify data integrity, review appraisals, and ensure compliance with investor and agency guidelines.

This role requires 3+ years underwriting experience, proficiency with DU/LP/GUS, and the ability to make timely decisions under pressure. The Bank emphasizes accuracy and confidentiality in its operations.

Qualifications

• High school diploma or equivalent is required.
• Minimum of 3 years underwriting experience or comparable experience deemed transferable, or minimum of 5 years of mortgage experience.
• Ability to make underwriting decisions with minimal supervision.
• Knowledge of DU, LP, GUS, and other investor automated systems.
• Meet tight deadlines and multi-task under pressure.
• Proficient in Microsoft Office products.
• Ability to type 40-50 wpm accurately.
• Knowledge of and aptitude in basic math.
• Ability to learn varied job assignments readily.
• Ability to communicate with the public in a courteous and professional manner.

Responsibilities

• Underwrite all above loans for retail branches and wholesale customers in all lending areas.
• Ability to underwrite conventional (conforming and non-conforming) FHA, Rural Development, State Authority, and VA loan files.
• Validate data integrity of documents of loans submitted versus data entry in AUS systems.
• Review appraisals of loans for acceptable collateral to meet investor and agency requirements.
• For loans not eligible under program submitted, maintain knowledge of other programs to make recommendation for possible counter offer.
• Communicate with loan officer(s) and processor(s) on loan decision and document requirements via phone and/or email.
• Verify data integrity within LOS and generate loan decision within LOS.
• Insure flood certification is received and correct data entered in LOS.
• Order private mortgage insurance certificate of files as needed.
• Upload FHA appraisals to EAD portal and complete FHA appraisal logging in FHA Connection.
• Issue VA NOV's through the VA portal after review of LSAM report provided by VA.
• Prepare credit package and submit to Rural Development office or State Housing Authority office for approval.
• Utilize tools and resources to aid in the decision making process and discern when more information is necessary.
• If jumbo underwriter, review and upload loan file and liaise between investor and processor on items needed to clear/approve.
• Work with closing department to properly close loans with correct documents, conditions, and terms.
• Stay current on all agency and investor guidelines.

Skills

Underwriting

Attention to detail

Communication skills

Time management

Typing 40-50 wpm

Education

High school diploma or equivalent

Tools

DU

LP

GUS

FHA Connection

Microsoft Office

Job description

Renasant Bank is seeking a Staff Underwriter to evaluate conventional, FHA, Rural Development, State Authority, and VA loan files for both retail and wholesale channels. You will verify data integrity, review appraisals, and ensure compliance with investor and agency guidelines.

This role requires 3+ years underwriting experience, proficiency with DU/LP/GUS, and the ability to make timely decisions under pressure. The Bank emphasizes accuracy and confidentiality in its operations.