Residential Mortgage Underwriter I

Solekai Systems Corp Cincinnati , OH 45201

Posted 2 months ago

We are:

Accenture is consistently recognized on FORTUNE's 100 Best Companies to Work For and Diversity Inc's Top 50 Companies for Diversity lists. You will receive competitive rewards and access to benefits programs and world-class learning resources. Join Accenture and be empowered with innovative tools, continuous learning and a global community.

Accenture Credit Services is a recognized market leader providing business process outsourcing services to consumer and commercial lending institutions around the world. We help our clients transform their operations and deliver improved customer service, efficiency, quality and profitability.

You are:

An experienced mortgage underwriter and a solution oriented critical thinker! You know that companies and processes change; therefore, you adapt quickly and execute flawlessly. Self-motivated to achieve and exceed goals and demonstrate grit that will inspire others to always strive for superior results.

The work:

  • Ability to work in a fast-paced environment, while making sound credit decisions with attention to detail.

  • Perform income, credit, title and property analysis on Home Equity loan files submitted within the time frame established by departmental management.

  • Examine loan documents and loan processing system for accuracy and completeness, ensuring all required documents and conditions are received.

  • Perform timely reviews of conditions submitted a well as loan resubmissions.

  • Maintain quality and production standards as defined by business.

  • Provides exemplary customer service to both internal staff and external customer by clearly explaining credit decision and offering alternative options when needed.

  • Adequately and effectively explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers.

  • Actively cooperate and interact with all entities of the client. Perform other job-related duties and special projects as required.

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Mortgage Underwriter III

Fifth Third Bank

Posted 4 weeks ago

VIEW JOBS 4/28/2020 12:00:00 AM 2020-07-27T00:00 Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Performs a wide range of duties related to the underwriting of residential mortgage loans. May also be responsible for the leadership of an underwriting team. Renders underwriting decisions and subsequentclearingconditionstoensurecredit guidelines are met. Proactive in communicating the decisions to the Loan Originators, as well as serving as a resource to Residential Mortgage personnel on underwriting questions. Ensures team follows determinedworkflow,therebymeetingservicelevel agreements that have been identified. Responsible for not only ensuring productivity levels of the team are met, but also ensures credit quality meets all defined standards. Handles complex underwriting decisionsrequiringseniorknowledgeand/orunique problem solving abilities. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Utilize all systems in place, including automated underwriting to underwrite files in a timely manner. * Underwrite conventional, portfolio loans, and FHA/VA loans. Underwrite simultaneous second lien/home equity loans in appropriate origination system, within approved RCC lending authority. * Manage expected service levels related to decision and condition clearing. * Update information on processing and underwriting systems to verify, add, delete or waive conditions. * Contact Loan Originators with the decision on the loan immediately after underwriting the file. * Monitor quality levels of each underwriter to ensure adherence to standards. * Ensure team is providing a high level of customer service to internal and external customers. * Determine success rate of meeting certain benchmarks, and update required team performance reports. * Retrieve, review, distribute, and discuss reports related to the underwriting team. * Monitor compliance issues, including that all team members attend required meetings and that all staff are in compliance with state and federal regulations. * Provide feedback to other staff and loan officers. * Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable. * Responsible for appropriate section of HMDA Worksheet. * Review exception reports to ensure completion of all tasks. * Serve as an intermediary for loan issues with the Regional Sales Managers. * Actively participate in ongoing efforts to continually improve customer service for internal and external customers. * Perform personnel tasks for the team such as time sheets, coaching, and identifying training needs. * Assist in training new hires. * Maintain knowledge of Fifth Third Mortgage Company policies and procedures in addition to private investors, government investors and portfolio Credit Policy and Guidelines. * This position requires SAFE Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). Consumer lending credit authority is commensurate with consumer lending authority guidelines and business need. SUPERVISORY RESPONSIBILITIES: Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employeecareergrowth;developingtheappropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments. Four year degree or equivalent experience required. Must have five (5) years experience in Underwriting. In-depth knowledge of conventional, government and portfolio lending guidelines.FHADE,VALAPPpreferred. Must have demonstrated ability to analyze complex loan requests including cash flow analysis of business and personal tax returns. Knowledge of the complete mortgage lending process. Knowledge * ffinancial analysis techniques.Previous management experience preferred. High degree of attention to detail. Demonstrated organizational skills. Demonstrated leadership skills. Strong written and verbal communications skills. Demonstrated teamwork andcustomerserviceskills. StrongPC skills(MS Office) required, must have experience with Mortgage origination systems, platforms tools and technology. Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired. Ability to make decisions in a time. Must have a $1M Lending Authority level. Mortgage Underwriter III LOCATION -- Grand Rapids, Michigan 49546 Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. Fifth Third Bank Cincinnati OH

Residential Mortgage Underwriter I

Solekai Systems Corp