Senior Mortgage Underwriter

Job DescriptionThe Senior Mortgage Banker is responsible for underwriting residential and equity lines/loans ensuring compliance with appropriate company and secondary market investor standards, including Fannie / Freddie and additional investors (Wells, FHLB, BofA, etc.), ensuring loan requests meet program and product specifications, suggesting counteroffers to a different precut and / or program when appropriate, and communicating decision (approval, suspense, denial) to appropriate individuals and issuing proper documentation.Essential Functions Underwriting residential and equity lines/loans ensuring compliance with appropriate company and secondary market investor standards, including Fannie / Freddie and additional investors (Wells, FHLB, BofA, etc.) Underwrite Jumbo Loans Underwrite government loans including FHA / VA / RD / and CRA programs Examine loan documentation for accuracy and completeness Follow the provisions of the Gramm-Bliley Act and the Bank's privacy policy; maintaining a high level of confidentiality Make timely and accurate decisions while thriving in a fast paced environment Ensure appropriate pricing Check accuracy of all calculations Underwrite and decision equity loans Underwrite and decision purchase and refinance loans Determine decision on pre-approval applications Determine decision on modification requests Communicate decision on loans to appropriate parties Confirm adverse decisions Partner with Mortgage Bankers Identify and resolve loan issues Recommend improvements to procedures Maximize use of loan origination system Evaluate the entire credit package and collateral for residential mortgage loans Ensure an

Created: 2025-11-01