Residential Mortgage Underwriter - REMOTE & experienced

  • Truist
  • Wilson, NC
  • Sep 17, 2020
TELECOMMUTE Software

Job Description

Req ID: R0029008_Wilson Specific information related to the position is outlined below. To apply, click on the button above. You will be required to create an account (or sign in with an existing account). Your account will provide you access to your application information.Need Help? Should you have a disability and need assistance with the application process, please request a reasonable accommodation by emailing Accessibilityor by calling 877-891-2510. This email inbox is monitored for reasonable accommodation requests only. Any other correspondence will not receive a response. Regular or Temporary: Regular Language Fluency: English (Required) Work Shift: 1st shift (United States of America) Please review the following job description: **Please Read- Important Information** Remote within a 2 hour drive to the reporting hub in Greensboro NC. Due to current industry environment and credit policy requirements, candidates without 2 years of current or recent residential mortgage underwriting OR 18 months of recent BB&T Residential Mortgage Processing experience will not be considered. Perform detailed review and credit analysis of mortgage loans to ensure the loans meet established underwriting and investor guidelines. Approve acceptable loans within delegated lending authority. **Please Read- Important Information** Remote within a 2 hour drive to the reporting hub in Greensboro NC. Due to current industry environment and credit policy requirements, candidates without 2 years of current or recent residential mortgage underwriting OR 18 months of recent BB&T Residential Mortgage Processing experience will not be considered. Essential Duties and Responsibilities: Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Perform detailed underwriting analysis on all BB&T Mortgage loan products including calculating all income types (e.g. wage earner, retirement, self-employed), calculating complex financial analysis as needed, analyzing real estate appraisals to determine if collateral is acceptable, analyzing title report and lien information, reviewing all financial statements, and reviewing all additional documentation to determine accuracy and compliance with portfolio and investor guidelines prior to approval. Ensure that all loan files are documented per portfolio and investor guidelines to ensure marketability. Verify that all underwriting exceptions are thoroughly documented. 2. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA) and portfolio products. 3. Request additional information and/or documentation from Mortgage Loan Processors and Mortgage Loan Originators through appropriate timely feedback. 4. Adhere to all compliance regulations. 5. Conduct proactive and effective pipeline management in accordance with performance standard expectations. 6. Develop and maintain positive working relationship with co-workers, internal and external clients/business partners and vendors. 7. Maintain low early pay default rate as per performance expectations. 8. Assist Mortgage Loan Originators in restructuring loan applications based on counter offer availability. Required Skills and Competencies: 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. 1. Bachelor’s degree in Business or related field, or equivalent education and related training 2. Four years of mortgage loan underwriting experience or equivalent 3. Ability to utilize mortgage automated processing system 4. Excellent communication skills, both written and verbal, in relating to internal and external clients 5. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products 6. Ability to travel, occasionally overnight Desired Skills: 1. Basic knowledge of other bank services and products 2. Direct Endorsement and Staff Appraisal Reviewer Certifications Truist supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace. Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name. EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name. © 2017 SunTrust Banks, Inc. All rights reserved. SunTrust is federally registered service marks of SunTrust Banks, Inc.