Residential Mortgage Underwriter - TPO Team

South State Bank Atlanta , GA 30301

Posted 2 months ago

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The TPO Residential Mortgage Underwriter is responsible for evaluating mortgage loan applications submitted by Third Party Originators and Non-Delegated Correspondents for compliance with FNMA/FHLMC, government, investor and CenterState/SouthState's underwriting guidelines. The underwriter will decision the loan application accordingly and communicate directly to the appropriate parties.

PRINCIPAL ACCOUNTABILITIES

Analyze loan applications, credit history, income and asset documents to ensure loans meet program and product specifications.
Review appraisals to determine acceptability of collateral.
Work directly with Broker/Correspondent, Account Executive and Loan Coordinator to answer any loan specific underwriting questions, discuss conditions and loan documentation.
Review and clear conditions in a timely manner.
Maintain working knowledge of agency and investor guidelines and policies.
Assist with resolution of any post-closing, insuring and audit reviews.
Consistently meet or exceed established minimum productivity levels.
Other duties as assigned

OTHER SKILLS/QUALIFICATIONS

Minimum of 2 years recent residential mortgage underwriting experience.
Knowledge of FNMA, FHLMC, FHA, VA and USDA policies and guidelines.
Ability to manage pipeline daily while meeting monthly production and quality goals.
Proficient computer skills and working knowledge of Microsoft Office products.
Strong quantitative and analytical skills.
Work effectively in a fast paced, team environment.
Excellent verbal, written and interpersonal skills.
DE Certification preferred.
LAPP/SAR Certification preferred.

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Salary Information The salary range displayed below is based on a Full-time 40 hour a week schedule. KS-Overland Park: Min: $63,900 Mid: $90,000 MI-Birmingham: Min: $70,300 Mid: $99,000 NV-Reno: Min: $63,900 Mid: $90,000 TN-Nashville: Min: $63,900 Mid: $90,000 FL-Tampa: Min: $63,900 Mid: $90,000 MO-Kansas City: Min: $63,900 Mid: $90,000 CA-Fresno: Min: $63,900 Mid: $90,000 ID-Boise: Min: $63,900 Mid: $90,000 NV-Las Vegas: Min: $63,900 Mid: $90,000 UT-Salt Lake City: Min: $63,900 Mid: $90,000 SC-Columbia: Min: $57,500 Mid: $81,000 GA-Atlanta: Min: $63,900 Mid: $90,000 FL-Orlando: Min: $63,900 Mid: $90,000 MS-Gulfport: Min: $57,500 Mid: $81,000 OH-Columbus: Min: $63,900 Mid: $90,000 IN-Indianapolis: Min: $63,900 Mid: $90,000 FL-Jacksonville: Min: $63,900 Mid: $90,000 TX-Houston: Min: $63,900 Mid: $90,000 TX-Dallas: Min: $63,900 Mid: $90,000 TX-Austin: Min: $63,900 Mid: $90,000 WA-Spokane: Min: $63,900 Mid: $90,000 NE-Omaha: Min: $63,900 Mid: $90,000 NY-Buffalo: Min: $63,900 Mid: $90,000 AZ-Tucson: Min: $63,900 Mid: $90,000 AL-Birmingham: Min: $63,900 Mid: $90,000 Street Address KS-Overland Park: 7500 College Blvd - Overland Park, KS MI-Birmingham: 34100 Woodward Ave - Birmingham, MI NV-Reno: 6005 Plumas St - Reno, NV TN-Nashville: 150 3rd Ave S - Nashville, TN FL-Tampa: 4030 W BOY SCOUT BLVD - TAMPA, FL MO-Kansas City: 9572 N McGee St - Kansas City, MO CA-Fresno: 8405 N Fresno - Fresno, CA ID-Boise: 3033 Elder St - Boise, ID NV-Las Vegas: 4425 Spring Mtn Rd - Las Vegas, NV UT-Salt Lake City: 5201 Amelia Earhart Dr - Salt Lake City, UT SC-Columbia: 101 Greystone Blvd - Columbia, SC GA-Atlanta: 3579 Atlanta Ave - Atlanta, GA FL-Orlando: 11050 Lake Underhill Rd - Orlando, FL MS-Gulfport: 375 Courthouse Rd - Gulfport, MS OH-Columbus: 445 Hutchinson Ave - Columbus, OH IN-Indianapolis: 8888 Keystone Xing - Indianapolis, IN FL-Jacksonville: 3563 Philips Hwy - Jacksonville, FL TX-Houston: 2700 Post Oak Blvd - Houston, TX TX-Dallas: 8115 Preston Rd - Dallas, TX TX-Austin: 9442 N Capital Of Texas Hwy - Austin, TX WA-Spokane: 41 W Riverside Ave - Spokane, WA NE-Omaha: 13330 California St - Omaha, NE NY-Buffalo: 6700 Main St - Buffalo, NY AZ-Tucson: 4051 E Sunrise Dr - Tucson, AZ AL-Birmingham: 2501 20th Pl S - Birmingham, AL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

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Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager. This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below. Preferred locations are listed on the job posting. Other locations within the Wells Fargo footprint may be considered. The salary range displayed below is based on a Full-time 40 hour a week schedule. MI-Birmingham: Min: $62,500 Mid: $88,000 Max: $113,500 FL-Jacksonville: Min: $56,800 Mid: $80,000 Max: $103,200 FL-Orlando: Min: $56,800 Mid: $80,000 Max: $103,200 FL-Tampa: Min: $56,800 Mid: $80,000 Max: $103,200 GA-Atlanta: Min: $56,800 Mid: $80,000 Max: $103,200 TX-Dallas: Min: $56,800 Mid: $80,000 Max: $103,200 TX-Austin: Min: $56,800 Mid: $80,000 Max: $103,200 TX-Houston: Min: $56,800 Mid: $80,000 Max: $103,200 TN-Nashville: Min: $56,800 Mid: $80,000 Max: $103,200 NY-Buffalo: Min: $56,800 Mid: $80,000 Max: $103,200 IN-Indianapolis: Min: $56,800 Mid: $80,000 Max: $103,200 AL-Birmingham: Min: $56,800 Mid: $80,000 Max: $103,200 NE-Omaha: Min: $56,800 Mid: $80,000 Max: $103,200 MO-Kansas City: Min: $56,800 Mid: $80,000 Max: $103,200 KS-Overland Park: Min: $56,800 Mid: $80,000 Max: $103,200 SC-Columbia: Min: $51,100 Mid: $72,000 Max: $92,900 OH-Columbus: Min: $56,800 Mid: $80,000 Max: $103,200 MS-Gulfport: Min: $51,100 Mid: $72,000 Max: $92,900 UT-Salt Lake City: Min: $56,800 Mid: $80,000 Max: $103,200 NV-Las Vegas: Min: $56,800 Mid: $80,000 Max: $103,200 AZ-Tucson: Min: $56,800 Mid: $80,000 Max: $103,200 CA-Fresno: Min: $56,800 Mid: $80,000 Max: $103,200 WA-Spokane: Min: $56,800 Mid: $80,000 Max: $103,200 ID-Boise: Min: $56,800 Mid: $80,000 Max: $103,200 NV-Reno: Min: $56,800 Mid: $80,000 Max: $103,200 CA-Sacramento: Min: $62,500 Mid: $88,000 Max: $113,500 Salary offered dependent on location. Required Qualifications * 4+ years of underwriting experience * 3+ years of underwriting experience with mortgage, commercial credit, or a combination of both Desired Qualifications * Basic Microsoft Office skills * Strong analytical skills including analyzing complex data * Excellent verbal, written, and interpersonal communication skills * Ability to interact with all levels of an organization * 3+ years of experience with income analysis including exposure to reviewing self-employment, corporate, and partnerships tax returns * Ability to work effectively in a virtual team environment Other Desired Qualifications * Extensive experience with Agency or Commercial underwriting products * Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation * Experience working with sales and fulfillment partners Job Expectations * This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. * Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. * Ability to provide and work from a home office * This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. * Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. * This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Street Address MI-Birmingham: 34100 Woodward Ave - Birmingham, MI FL-Jacksonville: 3563 Philips Hwy - Jacksonville, FL FL-Orlando: 11050 Lake Underhill Rd - Orlando, FL FL-Tampa: 4030 W BOY SCOUT BLVD - TAMPA, FL GA-Atlanta: 3579 Atlanta Ave - Atlanta, GA TX-Dallas: 8115 Preston Rd - Dallas, TX TX-Austin: 9442 N Capital Of Texas Hwy - Austin, TX TX-Houston: 2700 Post Oak Blvd - Houston, TX TN-Nashville: 150 3rd Ave S - Nashville, TN NY-Buffalo: 6700 Main St - Buffalo, NY IN-Indianapolis: 8888 Keystone Xing - Indianapolis, IN AL-Birmingham: 2501 20th Pl S - Birmingham, AL NE-Omaha: 13330 California St - Omaha, NE MO-Kansas City: 9572 N McGee St - Kansas City, MO KS-Overland Park: 7500 College Blvd - Overland Park, KS SC-Columbia: 101 Greystone Blvd - Columbia, SC OH-Columbus: 445 Hutchinson Ave - Columbus, OH MS-Gulfport: 375 Courthouse Rd - Gulfport, MS UT-Salt Lake City: 5201 Amelia Earhart Dr - Salt Lake City, UT NV-Las Vegas: 4425 Spring Mtn Rd - Las Vegas, NV AZ-Tucson: 4051 E Sunrise Dr - Tucson, AZ CA-Fresno: 8405 N Fresno - Fresno, CA WA-Spokane: 41 W Riverside Ave - Spokane, WA ID-Boise: 3033 Elder St - Boise, ID NV-Reno: 6005 Plumas St - Reno, NV CA-Sacramento: 400 Capitol Mall - Sacramento, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Benefits Summary Benefits Visit https://www.wellsfargo.com/about/careers/benefits for benefits information.

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