Test Specialist - Senior Mortgage Underwriter

Bank of America Corporation; Jacksonville (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Bank of America is seeking an experienced residential loan underwriter to join the Enterprise Independent Testing team within Consumer Banking. You will assess conforming, nonconforming, HELOC, FHA and VA files, ensure accuracy, and support end-to-end loan testing in a fast-paced environment.

This role emphasizes risk assessment, collaboration with partners, attention to detail, and the ability to communicate findings clearly.

Qualifications

• Bachelor's degree or equivalent experience in a related field.
• Minimum 5 years' experience in residential loan underwriting including Conforming, Nonconforming, HELOC, FHA and VA.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication skills.

Responsibilities

• Accountable for accurate and timely test execution
• Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope
• Independently identify risk defects and root cause for finding placement and details defects
• Examine loan documentation for accuracy and completeness
• Provide training and direction to more junior staff as appropriate
• Elevate errors and recommends enhancements as appropriate
• Review reversal requests/arbitration appeals as well as analyze results
• Work special projects as necessary
• Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc.
• Perform Quality Assurance Testing
• Contributes to Test Development Intakes as needed, including test script edits and pilot testing
• Create and submit redlined test scripts for Simple Path processing
• Point-of-contact for Support Lead or assist Testing Lead when needed

Skills

Monitoring and Testing

Data Privacy

Influence

Issue Management

Reporting

Underwriting

Quality Assurance

Education

Bachelor's Degree or equivalent experience

Job description

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Team Overview

Enterprise Independent Testing (EIT) Consumer Banking Testing (CBT) is responsible for Consumer testing aligned to Retail, Preferred, Small Business, Global Consumer Operations, and Consumer Global Compliance and Operational Risk. EIT has established itself as the enterprise utility to test all end-to-end processes on behalf of Second Line of Defense, Frontline Units (FLUs) and Control Functions (CFs), enabling more efficient and effective testing. EIT is transforming the way testing is built and executed with digital transformation, implementing automation, and leveraging cutting edge Artificial Intelligence/Natural Language Processing technologies. EIT carries a portfolio of 8,000+ tests and has a global footprint of testing professionals across the United States, Europe, Asia and Latin America as well as Global Business Services (GBS) associates.

Responsibilities

• Accountable for accurate and timely test execution

• Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope

• Independently identify risk defects and root cause for finding placement and details defects

• Examine loan documentation for accuracy and completeness

• Provide training and direction to more junior staff as appropriate

• Elevate errors and recommends enhancements as appropriate

• Review reversal requests/arbitration appeals as well as analyze results

• Work special projects as necessary

• Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc.

• Perform Quality Assurance Testing

• Contributes to Test Development Intakes as needed, including test script edits and pilot testing

• Create and submit redlined test scripts for Simple Path processing

• Point-of-contact for Support Lead or assist Testing Lead when needed

Skills

• Monitoring, Surveillance, and Testing
• Data Privacy and Protection
• Influence
• Issue Management
• Reporting
• Underwriting
• Quality Assurance

Required Education & Experience

• Bachelor's Degree or equivalent experience
• Minimum 5 years' experience in residential loan underwriting including Conforming, Nonconforming, HELOC, Custom, FHA and VA

Required Skills

• Delegated senior mortgage underwriter
• Applies critical thinking and connects the dots on how processes relate to one another.
• Drives Operational Excellence
• Acts with Courage and Conviction
• Strong written, verbal and delivery skills.
• Strong Partnership and Influencing Skills
• Attention to Detail
• Adaptability
• Collaboration
• Problem Solving
• Organized and able to multi-task in a fast-paced environment
• Ability to think independently, solve complex problems, and suggest solutions.
• Ability to test across multiple lines of business
• Sees opportunities, risks, and connections while engaging with others across different functions and connecting the dots across the organization
• Proficient in the Microsoft suite with an emphasis on excel

Desired Skills

• Interpret Relevant Laws, Rules, and Regulations
• HUD DE and VA LAPP/Automatic Certifications preferred.

Shift: 1st shift (United States of America)

Hours Per Week: 40