• Mortgage Underwriter II - Virtual

    Posted: 02/09/2021

    GENERAL FUNCTION: Performs a wide range of duties related to the underwriting of residential mortgage loans. 

    ESSENTIAL DUTIES AND RESPONSIBILITIES:

    • Utilize all systems in place, including automated underwriting to underwrite files in a timely manner.
    • Underwrite conventional, portfolio loans, and FHA/VA loans.
    • Underwrite simultaneous second lien/home equity loans in appropriate origination system, within approved RCC lending authority.
    • Manage expected service levels related to decision and condition clearing.
    • Update information on processing and underwriting systems to verify, add, delete or waive conditions.
    • Contact Loan Originators with the decision on the loan immediately after underwriting the file.
    • Responsible for appropriate section of HMDA Worksheet.
    • Review exception reports to ensure completion of all tasks.
    • Serve as an intermediary for loan issues with the Regional Sales Managers.
    • Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
    • Perform personnel tasks for the team such as time sheets, coaching, and identifying training needs.
    • Assist in training new hires.
    • Maintain knowledge of Fifth Third Mortgage Company policies and procedures in addition to private investors, government investors and portfolio Credit Policy and Guidelines.
    • Consumer lending credit authority is commensurate with consumer lending authority guidelines and business need.

    MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

    • Four year degree or equivalent experience required.
    • Must have five (5) years experience in Underwriting.
    • In-depth knowledge of conventional, government and portfolio lending guidelines.  FHADE, VALAPP preferred.
    • Must have experience with Mortgage origination systems, platforms tools and technology.
    • Must have demonstrated ability to analyze complex loan requests including cash flow analysis of business and personal tax returns.
    • Knowledge of the complete mortgage lending process.
    • Knowledge of financial analysis techniques.
    • High degree of attention to detail. Demonstrated organizational skills.
    • Strong written and verbal communications skills. Demonstrated teamwork and customer service skills.
    • Strong PC skills (MS Office) required
    • Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired.
    • Ability to make decisions in a time

     

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Asian Pacific American Chamber of Commerce (APACC)

 PO Box 54, Clawson, MI 48017

 248. 430.5855

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