Underwriter
Underwriter - Amherst, NY

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3-5 years experience as a Mortgage Processor or Underwriter, FHA DE & VA SAR underwriter preferred
Thorough knwoeldge and understanding of standards and guielines for underwriting Fannie Mae, Freddie Mac, SONYMA, FHA, and VA mortgages.
Ability to analyze and comprehend all documents in the mortgage files including borrower’s financial ability, resources, and past performance & property valuation.
Excellent verbal and written communication skills
Ability to analyze information and recommend a decision in a timely manner.
Strong PC skills with knowledge of lender origination systems with some word processing experience.
Ability to manage multiple priorities and complete daily tasks timely during times of high volume

Job Description:
Responsibilities: Underwrite residential mortgage loans in conformity with Secondary Market requirements and Bank Policy Adhere to all Regulatory requirements as it pertains to the Mortgage loan process including but not limited to RESPA and TILA disclosures. Summarize the contents of the mortgage file and recommend for approval or decline and determine risk of the file. Assist sales representatives, mortgage processors and/or branch personnel with questions, problems and documentation requirements. Rework and re-evaluate documents in the mortgage file when changes are requested. Update the mortgage system with accurate information. Complete all required commitment workflow screens. Prepare commitment letter and any applicable disclosures. Answer all Quality Control Audit findings that that pertain to this positions’ Decision making ability (work performance) and respond back to QC within the required timeframes Perform other assignments and projects as required. Must adhere to pertinent laws, regulations, First Niagara’s Compliance Policy and external compliance requirements.

First Niagara Financial Group - 2 years ago - save job - block
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