Mortgage Loan Underwriter

Smartfinancial, Inc. Knoxville , TN 37902

Posted 3 months ago

Mortgage Underwriter

A career at SmartBank is more than just a job, it is a family where values are upheld and hard work is recognized. Our SmartBank team of associates are trustworthy, loyal and innovative. We have been supporting our customers for over 10 years in Tennessee, Alabama, and Florida and are continuing to grow. We empower our associates to treat our customers with care and to be involved in the communities we support. We build exceptional value by fostering a work environment that respects individual needs, establishes high expectations and recognizes achievement - It is the SmartBank way.

SmartBank Associates enjoy an AMAZING benefits package that includes - company apparel, medical, dental, vision, long and short term disability, 401(k), EAP, life insurance and paid time off (PTO).

This position will be held accountable for:

  • Upholding SmartBank's Core Values and Core Purpose.

  • Receives loan files originated by the retail mortgage loan officers and reviews files for all necessary forms and information according to government agency, investor, mortgage insurance and financial institution underwriting guidelines.

  • Analyzes applicant's financial status, credit and property evaluation to determine feasibility of granting loan.

  • Review file for data integrity to certify accuracy of Automated Underwriting results.

  • Makes an underwriting decision for each loan.

  • Confers with mortgage loan officers, processors and department manager to aid in resolving mortgage application concerns.

  • Communicates with investors, MI companies, government agencies, financial institution, appraisers, processors, mortgage loan officers and management of the financial institution to underwrite files properly.

Ideal candidates for the role will include:

  • Bachelor's degree in business, finance or related field preferred.
  • A minimum of 5 years of mortgage underwriting experience required.
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Mortgage Loan Underwriter

Smartfinancial, Inc.