Underwriter Senior - Home Lending

Huntington National Bank; Houston (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

Huntington National Bank in Houston seeks an experienced mortgage Underwriter to assess residential first mortgage and Home Equity loan applications, from originators and brokers, ensuring alignment with product guidelines and lending approvals.

You will underwrite files from initial decision to clear-to-close, use Desktop Underwriter and Loan Prospector, and operate in a high-volume, service-focused environment with strict SLAs.

Qualifications

• High school diploma or equivalent.
• Three+ years of mortgage underwriting experience in 1st mortgage arena (FHMA/FHLMC).
• Recent underwriting experience with conventional/government lending agencies.

Responsibilities

• Underwrite residential first mortgage files (conventional FNMA, FHLMC, Government, FHA/VA).
• Underwrite from initial decision to clear-to-close using mortgage software.
• Adhere to service level standards for communication, production, and turn-time.
• Support autonomy, customer service, and compliance with regulations.

Skills

Mortgage underwriting

Risk analysis

Credit evaluation

Customer service

Multi-tasking

Education

High school diploma

DE Designation (preferred)

Tools

Desktop Underwriter

Loan Prospector

Job description

This position must be onsite and is available to be filled at any Huntington Corporate office location.

Summary

Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents are in alignment with product guidelines and supportive of the lending approval or denial decision made by the Underwriter.

Duties & Responsibilities

• Underwrite residential first mortgage files (conventional FNMA, FHLMC. Government, FHA/VA - Bond). Diverse portfolio including CRA throughout bank footprint.
• Confidence in underwriting risk-based portfolio product set from our Wealth Management Group.
• Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
• Adhere to all department service level standards for communication, production, and turn-time.
• Supportive environment that offers autonomy, customer service and a commitment to doing it right.
• Perform other duties as assigned.

Basic Qualifications

• High school diploma or equivalent
• Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC)
• Must have recent underwriting experience with all conventional/government lending agencies

Preferred Qualifications

• Must obtain DE (Direct Endorsement) Designation within a timeframe established by management
• Underwriting experience with VA/FHA/USDA preferred
• FHA Direct Endorsement and VA LAPP Authority preferred
• Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
• Strong cash flow analysis skills reviewing complex personal and business tax returns, P‑L statements and financial statements
• Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
• Proficient with loan origination software, Desktop Underwriter and Loan Prospector
• Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc
• Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
• Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
• Ability to work in a high volume environment with minimal supervision, while maintaining production service levels
• Strong analytical skills with attention to detail
• Customer service oriented
• Ability to multi-task while maintaining a high-level of flexibility

Exempt Status

Yes = not eligible for overtime pay; No = eligible for overtime pay.

Workplace Type

Office

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.