Mortgage Loan Underwriter (794)

Community Trust Bank Houston , TX 77020

Posted 7 months ago

Summary: Underwrites residential mortgage loans, ensuring compliance with appropriate company and secondary market investor standards by performing the following duties.

Duties and Responsibilities include the following.

  • Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet applicable conventional investor program standards and represents an acceptable credit risk for the bank.

  • Approves or rejects the loan application or requests additional information.

  • Examines loan documentation such as AUS results, Income and asset documents, collateral related documents and other miscellaneous documents for accuracy and completeness.

  • Works with Mortgage Loan Officers, account executives and other parties related to the transaction to consider loan level scenarios, discuss conventional investor guidelines and secure all required documents.

  • Works with the quality control department to respond to conventional investor, mortgage insurance and general quality control review findings.

  • Authority to withdraw and decline loans.

  • Participates in training opportunities to remain current on various conventional investor guidelines

Supervisory Responsibilities

This job has no supervisory responsibilities.

Required Skills


  • To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design

  • Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.

Problem Solving

  • Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

Project Management

  • Coordinates projects; Communicates changes and progress; Completes projects on time and budget.

Interpersonal Skills/Customer Service

  • Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication

  • Responds well to questions; Writes clearly and informatively; Presents numerical data effectively; Able to read and interpret written information.


  • Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

Organizational Support

  • Follows policies and procedures; Supports organization's goals and values.


  • Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions.


  • Prioritizes and plans work activities; Uses time efficiently.


  • Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quality and Quantity

  • Demonstrates accuracy and thoroughness; Completes work in timely manner.


  • Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality and Dependability

  • Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction.

Required Experience

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.

Education and/or Experience

High school diploma or GED equivalent required. Bachelor's degree (B. A.) from four-year College or university preferred but not required. A minimum of one year underwriting experience or two years' experience as a junior underwriter required.

Computer Skills

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to use basic office machines. Ability to learn bank-specific software such as MPC, IBS, ADP, etc.

Certificates, Licenses, Registrations

Has received and/or is working towards FHA Direct Endorsement Underwriter and/or VA Staff Approved Reviewer designations.

Bank Culture/Customer Service Skills

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands While performing the duties of this job, the employee is frequently required to stand; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk; reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion

Job Location Houston, Texas, United States Position Type Full-Time/Regular


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