Underwriter Senior - Home Lending at 0101 The Huntington National Bank — Tupelo, MS

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

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Workplace Type:

Office

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