Remote Mortgage Underwriter
Posted on: 1 Feb 2021
Charleston, WV
Job Description
Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
Truist Underwriters are now 100% remote!
**Please Read- Important Information**
Due to current industry environment and credit policy requirements, candidates without current or recent mortgage underwriting experience will not be considered.
Underwriter is responsible for underwriting residential mortgage loans to ensure compliance with bank, investor and secondary market standards. Communicates with processor, originators and other internal and external customers. Meets performance standards and goals established by the bank. Approve acceptable loans within delegated lending authority up to $1.5 million.
Essential Duties and Responsibilities
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
Perform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating all income type, calculating complex financial analysis, analyzing title reports and lien information, reviewing all financial statements, and reviewing all additional documentation prior to approval. Ensure that all loan files are documented to meet portfolio and investor guidelines to ensure marketability and maintain quality standards. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation. Loans to be adequately conditioned to meet Mortgage Lending products, policies, processes, and their required documentation Adhere to all compliance regulations and controls. Conduct proactive and effective pipeline management to ensure that metrics are met. Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors. Cultivate relationships with peers as a peer mentor.
Qualifications
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Five or more years of mortgage loan underwriting experience. Excellent Communication skills, both written and verbal, in relating to internal and external clients. Demonstrates proficiency in basic computer applications, such as mortgage automated processing systems and Microsoft Office software products. Ability to travel, occasionally overnight.
Preferred Qualifications:
Bachelors degree in Business or related field, or equivalent education and related training Basic knowledge of bank services and products Direct Endorsement and Staff Appraisal Reviewer Certifications FHA/VA/Bond Experience. Jumbo, Wealth and Construction Experience.
SunTrust Banks
Atlanta, GA
SunTrust Banks, Inc. operates as the holding company for SunTrust Bank that provides various financial services for consumers, businesses, corporations, institutions, and not-for-profit entities in the United States. It operates in two segments, Consumer and Wholesale. The Consumer segment provides deposits and payments; home equity and personal credit lines; auto, student, and other lending products; credit cards; discount/online and full-service brokerage products; professional investment advisory products and services; and trust services, as well as family office solutions. This segment also offers residential mortgage products in the secondary market.
The Wholesale segment provides capital markets solutions, including advisory, capital raising, and financial risk management; asset-based financing solutions, such as securitizations, asset-based lending, equipment financing, and structured real estate arrangements; cash management services and auto dealer financing solutions; investment banking solutions; and credit and deposit, fee-based product offering, multi-family agency lending, advisory, commercial mortgage brokerage, and tailored financing and equity investment solutions. This segment also offers treasury and payment solutions, such as operating various electronic and paper payment types, which comprise card, wire transfer, automated clearing house, check, and cash; and provides services clients to manage their accounts online.
The company offers its products and services through a network of traditional and in-store branches, automated teller machines, Internet, mobile, and telephone banking channels. As of December 31, 2018, it operated 1,218 full-service banking offices located in Florida, Georgia, Virginia, North Carolina, Tennessee, Maryland, South Carolina, and the District of Columbia. SunTrust Banks, Inc. was founded in 1891 and is headquartered in Atlanta, Georgia.
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IndustryBanking/Financial Services
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No. of Employees22,899
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Website
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Jobs Posted2598
