Minimum of five years residential underwriting experience in a retail loan environment.
DE/SARS/LAPP Highly preferred.
Current knowledge of RESPA regulations.
Strong knowledge in FNMA/FHLMC, FHA, VA, USDA programs beneficial.
Five years of AUS experience.
Experience with Encompass or similar LOS is preferred
Bachelor's degree (B.A.) from four-year college or university preferred.
Responsible for managing and monitoring daily work flow of assigned residential loan files. The Senior Underwriter is to make sound decisions within the risk parameters, investor guidelines and WesBanco Credit Policy.
Consideration for location will be in any of the WesBanco markets.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Managing and monitoring daily workflow of assigned files.
Make sound underwriting decisions on loans regarding credit worthiness
Work closely with MLOs, processors and the Senior Management team.
Assist processors and MLO's with complex questions.
Ability to review and comprehend complex personal business tax returns.
Consistently meet underwriting milestones as established by Bank
Must provide exceptional, professional service to mortgage customers, originators, processors and closers.
Provide exceptional, professional service to MLOs, Processors and Closers
Consistently perform job duties in accordance with the Service Level Agreement established by the Bank for your position
Be an expert on Agency and WesBanco guidelines along with internal underwriting processes and procedures.
Excellent knowledge of secondary market guidelines.
Ability to learn and understand WesBanco's portfolio and construction loan products.
Other job duties may be assigned.
Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.
Ability to lift and/or move up to 10 pounds and occasionally life and/or move up to 25 pounds.
Strong customer service skills
Ability to process all Portfolio and all Secondary Market loans.
Ability to review personal and business tax returns to determine qualifying income.
Strong organizational and time management skills.
Experience and proficiency with Microsoft Office and mortgage loan processing software.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
Ability to effectively communicate with staff, management team, Executive management, legal counsel and other departments.
Able to multi-task under sometimes stressful conditions.