Underwriter

Charter West Bank; Sioux Falls (SD); On-site; USD 52,000 - 78,000; Full time

Benefits offered by this job

Medical, dental, and vision

401(k) program

Paid Vacation and Sick time

Job summary

CharterWest Bank in Sioux Falls, SD is seeking an experienced Mortgage Underwriter to evaluate and underwrite residential mortgage loans in accordance with agency, investor, and company guidelines.

The role requires 2+ years of underwriting experience, knowledge of SD Housing programs, and DE certification; SAR preferred. You will work closely with loan officers, processors, and management to maintain high quality and timely decisions.

Qualifications

• Minimum 2+ years of residential mortgage underwriting experience.
• Experience with SD Housing as an underwriter.
• DE certifications required; SAR preferred.

Responsibilities

• Independently underwrite residential mortgage loan files from application to final decision.
• Collaborate closely with loan officers, processors, closing and management.
• Assist with guideline interpretation, scenario reviews and complex underwriting questions.
• Meet established quality, productivity, and turn-time expectations.
• Other duties as assigned.

Skills

Residential mortgage underwriting

Underwriting quality control

Team collaboration

Education

High school diploma or GED

DE certification

Job description

CharterWest Bank, a top statewide mortgage lender, is seeking an experienced person for their Mortgage Underwriter position located at our Sioux Falls, SD location. Employee is responsible for evaluating and underwriting residential mortgage loans in accordance with agency, investor and company guidelines.

Salary negotiable depending on experience level and excellent benefits, which include:

• Medical, dental, and vision
• 401(k) program
• Paid Vacation and Sick time

Job Duties:

• Independently underwrite residential mortgage loan files from application to final decision
• Collaborate closely with loan officers, processors, closing and management
• Assist with guideline interpretation, scenario reviews and complex underwriting questions
• Meet established quality, productivity, and turn-time expectations
• Other duties as assigned

Applicants should have:

• 2+ years of residential mortgage underwriting experience
• Experience with South Dakota Housing as an underwriter
• DE certifications required, SAR Preferred
• Strong understanding of conventional and government loan products, including SD Housing
• Strong verbal and written communication skills
• Ability to maintain a high-volume pipeline while maintaining exceptional underwriting quality and accuracy
• The ability to work effectively as a team member in a fast-paced environment
• Strong attention to detail and ability to identify inconsistencies, risk factors and documentation deficiencies
• Minimum of a high school diploma or GED

CharterWest Bank is an Equal Opportunity Employer.