Mortgage Loan Underwriter

Banc Mac, a United Community Bancorp entity, is in search of a Mortgage Loan Underwriter due to the expansion of correspondent and broker loan programs with banks and credit unions within the wholesale unit.

The Underwriter performs a wide range of duties related to the underwriting of secondary market residential mortgage loans:

• Renders underwriting decisions and subsequent clearing conditions to ensure credit guidelines are met.
• Corresponds with Third Party Bank Lenders.
• Keeps current on investor, agency and compliance guidelines.
• Assists in timely completion and review of Adverse Action Loans and other tasks as warranted.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.

• Current FHA/DE/VA government designation preferred.
• FHA underwriting experience a plus.
• Minimum of three years' experience as an underwriter.
• Minimum of five years mortgage experience.
• Must be detail driven with strong verbal and written communication skills.
• Must be proficient in all Microsoft products.
• Encompass knowledge is a plus.
• This individual must be highly self-motivated as well as ability to work well in a team environment.

Other Skills and Abilities: Strong customer service skills; excellent communication (verbal and written) and interpersonal skills including listening skills; ability to handle confidential information in a professional manner; ability to communicate effectively with customers as well as all levels of branch staff, management, and employees of internal departments; and the ability to perform duties independently with limited direct supervision.

Attendance Requirements

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Physical requirements:

• Ability to sit for up to eight hours
• Requires bending, stooping or standing as necessary
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to lift files and open filing cabinets
• The employee may occasionally lift and/or move up to 20 pounds