Senior Underwriter - Third Party Home Lending

Huntington Bancshares Inc Columbus , OH 43216

Posted 2 weeks ago

Description

Underwrite residential first mortgage files received from mortgage loan originators and/or mortgage brokers to ensure that all credit and compliance documents are included for final review and approval.

  • Underwrite residential first mortgage files (conventional FNMA, FHLMC. Government, FHA/VA - Bond. Diverse portfolio including CRA throughout bank footprint.

  • Confidence in underwriting risk-based portfolio product set from our Wealth Management Group.

  • Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.

  • Adhere to all department service level standards for communication, production, and turn-time

  • Supportive environment that offers autonomy, customer service and a commitment to doing it right.

Basic Qualifications:

  • High school diploma or equivalent

  • Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC)

  • Must have recent underwriting experience with all conventional/government lending agencies

Preferred Qualifications:

  • Must obtain DE Designation within a timeframe established by management

  • Underwriting experience with VA/FHA/USDA preferred

  • FHA Direct Endorsement and VA LAPP Authority preferred

  • Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals

  • Strong cash flow analysis skills reviewing complex personal and business tax returns, P-L statements and financial statements

  • Experience with risk accountability, law and regulation compliance and audit/regulatory examination response

  • Proficient with loan origination software, Desktop Underwriter and Loan Prospector

  • Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc

  • Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions

  • Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers

  • Ability to work in a high volume environment with minimal supervision, while maintaining production service levels

  • Strong analytical skills with attention to detail

  • Customer service oriented

  • Ability to multi-task while maintaining a high-level of flexibility

EEO/AA Employer/Minority/Female/Disability/Veteran/Sexual Orientation/Gender Identity

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position


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Senior Underwriter - Third Party Home Lending

Huntington Bancshares Inc