Mortgage Underwriter
Fifth Third Bank - Cincinnati, OH

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Requirements

GENERAL FUNCTION: Performs a wide range of duties related to the underwriting of residential mortgages. Renders an underwriting decision and subsequent clearing conditions to ensure credit guidelines are met. Proactive in communicating the decision to the Loan Originator, as well as serving as a resource to Residential Mortgage personnel on any underwriting questions. Assists in training new hires. Functions as escalation point for decisions requiring higher authority or unique problem solving to make the loan work. DUTIES AND RESPONSIBILITIES: * Utilize systems in place, including automated underwriting to underwrite files in a timely manner. * Underwrite conventional and portfolio loans, in addition to assisting in FHA/VA loans, until such delegation is provided. * 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. * Provide feedback to other staff and loan officers. * Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable. * Responsible for appropriate section of HMDA Worksheet. * Review exception reports to ensure completion of all tasks. * Maintain knowledge of Fifth Third Mortgage Company policies and procedures, in addition to private investors, government investors and portfolio Credit Policy and Guidelines. SUPERVISORY RESPONSIBILITIES: None.

Experience

KNOWLEDGE & SKILLS REQUIRED: * Knowledge of conventional and government underwriting guidelines. * Three (3) or more years mortgage lending experience in origination and/or processing in heightened role. * Knowledge of the complete mortgage lending process. * High degree of attention to detail. * Knowledge of federal lending regulations governing real estate lending. * Knowledge of financial analysis techniques. * Demonstrated leadership skills. * Proven computer skills. * Demonstrated organizational skills. * Demonstrated teamwork and customer service skills. * Ability to make decisions in a time sensitive manner. * This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. WORKING CONDITIONS: * Normal office environment with little exposure to dust, noise, temperature and the like. * Extended viewing of CRT screen.

Fifth Third Bank - 17 months ago - save job - block
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About this company
578 reviews
Fifth Third Bank is The curious bank. We are one of the top-performing banks in the country with a more-than-150-year heritage of success...