Job Description
Description Job Summary The Residential Mortgage Underwriter II is responsible for evaluating residential real estate credit applications to determine accuracy, completeness, credit worthiness, and regulatory compliance.
Responsibilities Underwriting - Conduct credit risk review and apply conditions required to comply with product, program, and regulatory specifications
- Perform appraisal analysis to ensure acceptable collateral position.
- Ensure compliance with internal, state, and federal compliance through continuous education and evaluation of internal procedures and controls.
- Communicate credit risk decisions to applicants and mortgage industry credit partners.
- Along with the Manager of Residential Mortgage Operations, mentor operations specialists on underwriter considerations and enhancements.
- Supports, advances, and is responsible for meeting Premier Experience service standards within the Mortgage Department.
Other General & Administrative - Assists with departmental projects.
- Actively participate in internal and external continuing education for mortgage loan operations and professional development.
- Contain knowledge of company products and services.
- Have a working knowledge of Choice Financial’s policies and procedures and comply with them.
- Maintain complete confidentiality with regards to customer accounts, loans and bank relationships.
- Project a positive image of Choice Financial when representing the organization.
- Actively support management and organizational goals.
- Interact with other employees to promote teamwork, communications, trust and respect.
- Adapt to meet the ever-changing customer and community needs.
- Performs duties outside normal scope as assigned.
Related Skills & Key Competencies - Leads as a team player with excellent interpersonal skills and develops partnerships.
- Takes initiative by proactively identifying what needs to be done and acts.
- Communicates effectively with excellent written and oral communication skills.
- Promotes and administers change and accepts diversity.
- Exhibits problem-solving, analytical thinking, and decision-making skills.
- Fosters open communication.
- Follows policies and procedures.
- Proficient computer skills including Microsoft Office (Word, Excel, Access).
- Must work in an efficient, systematic way.
- Must display consistency, thoroughness, attention to detail, and strong organizational skills.
- Use sounds judgment in prioritizing tasks to work under tight deadlines.
Requirements Qualifications - 2 to 4 years of relevant experience in mortgage loan operations with requisite competencies
- 2-year degree in Accounting, Finance, Business Administration or equivalent combination of education and experience with requisite experience
- Handles moderately complex files such as self-employed borrowers or layered risk factors
- Works independently on standard loans; escalates complex cases for review
- May mentor junior underwriters informally
Travel Requirement This position requires travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs.
Cultural Alignment Choice is #PeopleFirst, banking second. People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities.
In contributing to our culture, Choice team members are guided by our core values. - Embrace change and encourage innovation.
- Know when to ask for help and know when to offer help.
- Better the places we live.
- Work hard. Do the right thing. Have a little fun.
Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values. Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work.
Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to
fuel creativity and innovation and bring us closer to our customers and the communities we serve . Be welcome at Choice. We can see you here.
Disclosure This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees.
All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise.
The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience and geographic location. Full time employees are also eligible for a competitive bonus and benefits package. Check out bankwithchoice.com/careers for an outline of current benefit offerings.
Job Tags
Full time, Contract work, Self employment, Work at office,