Truist Mortgage Loan Underwriter (3-5 years exp) Remote in Truist Footprint in Atlanta, Georgia
Req ID: R0041250
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Regular or Temporary:
Language Fluency: English (Required)
1st shift (United States of America)
Please review the following job description:
Truist Underwriters are remote throughout the Truist Retail Banking Footprint. This includes: AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA & WV
Must have at least 3 years of recent (no more than 1yr gap from today) frontline, 1st mortgage underwriting experience with lending authority (no 2nd level approval required) and strong credit analysis experience.
Underwriter is responsible for underwriting residential mortgage loans to ensure compliance with bank, investor and secondary market standards. Communicates with processor, originators and other internal and external customers. Meets performance standards and goals established by the bank. Approve acceptable loans within maximum conforming lending limits.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Perform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating all income type, calculating complex financial analysis, analyzing title reports and lien information, reviewing all financial statements, and reviewing all additional documentation prior to approval.
Ensure that all loan files are documented to meet portfolio and investor guidelines to ensure marketability and maintain quality standards.
Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation; demonstrated expertise with two or more of the following categories preferred - GSE, Government, Portfolio - and/or expertise in government lending.
Loans to be adequately conditioned to meet Mortgage Lending products, policies, processes, and their required documentation
Adhere to all compliance regulations and controls.
Conduct proactive and effective pipeline management to ensure that metrics are met.
Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors.
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Minimum three years of mortgage loan underwriting experience.
Excellent Communication skills, both written and verbal, in relating to internal and external clients.
Demonstrates proficiency in basic computer applications, such as mortgage automated processing systems and Microsoft Office software products.
Ability to travel, occasionally overnight.
Three to four years mortgage processing experience
Bachelor's degree in Business or related field, or equivalent education and related training
Basic knowledge of bank services and products
Direct Endorsement and Staff Appraisal Reviewer Certifications
OTHER JOB REQUIREMENTS / WORKING CONDITIONS
Sitting Constantly (More than 50% of the time)
Visual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
Manual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.
Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
Minimal and up to 10%
Truist supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace.
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