SUMMARY
Underwrites loans for the Retail and/or Wholesale division and ensures that all policies and procedures are being followed to maintain the underwriting of high quality loans. Provide consistent, professional service to our internal and external customers.
ESSENTIAL DUTIES AND RESPONSIBILITIES
• Make sound underwriting decisions utilizing both automated and manual underwriting systems
• Call out denied decisions to both the Community Banker and the Broker
• Review and sign off prior to doc conditions
• Make property decisions by evaluating all information contained in the appraisal
• Order review appraisals when warranted
• Review the preliminary title report to ensure a valid title policy will be issued
• Effectively communicate with internal and external contacts
• Perform other job duties as assigned
• Use both automated and manual underwriting systems to evaluate loans
• Ensure all required communications are handled in a professional manner
• Maintain quality of decision in accordance with Company Quality Standards
• Perform other job duties as assigned
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.
• Excellent written, verbal and interpersonal skills.
• Understanding of FHA/VA regulations, FNMA/FHLMC and investor underwriting guidelines.
• Proficient in the use of software applications, such as Microsoft Word, Excel, Outlook.
EDUCATION and/or EXPERIENCE
• High School diploma or equivalent
• 2 year Business degree or 2-3 years equivalent experience.
• Successful completion of in-house training or approved outside training program.
• Good understanding of financial institution products and services.
CERTIFICATES, LICENSES, REGISTRATIONS
• None required.
PHYSICAL DEMANDS and WORK ENVIRONMENT
The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Typical Working Conditions: Typical office environment-no unusual exposures. The noise level in the work environment is usually moderate.
• Equipment Used: computer peripherals, ten-key calculator, telephone, general office equipment.
• Essential Physical Tasks: Must occasionally lift and/or move boxes of files, papers, miscellaneous items weighing about 30lbs. Mobility within the office including movement from floor to floor.
GENERAL INFORMATION
• The above statements are intended to describe the general nature and level of work being performed by individuals assigned to this position. They are not intended to be an exhaustive list of all duties, responsibilities, and skills required of employees so classified.
- Location: Dallas
- Principals only. Recruiters, please don't contact this job poster.
- Please, no phone calls about this job!
- Please do not contact job poster about other services, products or commercial interests.