Mortgage Underwriter

Summary

Join Banner Bank as a Mortgage Underwriter and apply underwriting standards set by the Board of Directors, Investors, Agencies, and regulatory requirements. You will underwrite residential loan applications, ensuring compliance with Investors, Banner Bank Portfolio, secondary marketing conduits, and private mortgage insurance companies. This role involves facilitating and supporting loan production staff, assisting loan officers with complex loans, and ensuring compliance with policies and regulations. The position requires a high school diploma or equivalent, 4+ years of mortgage underwriting experience, and intermediate knowledge of 1-4 family loan underwriting guidelines. Strong organizational, communication, and customer service skills are essential, along with proficiency in MS Office products and knowledge of relevant federal and state laws. Competitive compensation and benefits are offered.

Requirements

• H.S. Diploma: required (an equivalent combination of education and experience may be considered)
• 4 or more years of experience in mortgage underwriting required
• Intermediate knowledge of 1-4 family loan underwriting guidelines, including all loan types/programs
• Possess strong organizational, written and verbal communication, and customer service skills with the ability to work within defined timeframes and make deadlines
• Proficient in MS Office products including Word and Excel
• Knowledge of federal and state laws and regulations relating to underwriting

Responsibilities

• Apply the underwriting standards adopted by the Board of Directors, Investors, Agencies, and all regulatory and/or policy requirements
• Underwrite residential loan applications to ensure compliance with Investors, Banner Bank Portfolio, all secondary marketing conduits and private mortgage insurance companies
• Facilitate and support all loan production staff in matters of residential underwriting
• Assist loan officers and processors with origination of complex and/or problematic loans
• Comply with policies, procedures, security requirements, and government regulations

Benefits

• Targeted starting hourly range (based on experience): $ 27.09 - $ 35.69
• Incentive potential
• Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life
• Paid vacation time, sick time and 11 company paid holidays
• 401k (with up to 4% match)
• Tuition reimbursement