Conventional Mortgage Loan Underwriter in Tallahassee, Florida For Sale
First Commerce Credit Union is currently seeking a Conventional Mortgage Loan Underwriter for its Tallahassee, FL Office.
GENERAL SUMMARY: The primary purpose of this position is to assist First Commerce in fulfilling our Vision to Be Our Member's Financial Partner for Life. This is achieved through delivering Remarkable Member service as defined by our Service Values. Serves as an underwriter of first mortgage lending. Responsible for making decisions of all loan overrides, exceptions to loan policy, rate concessions, as well as quality control and compliance. Responsible for reporting relevant departmental metrics (development, production and tracking) including components such as loan overrides, quality control issues, and evaluation of other portfolio trends. Meet with CCO for development of annual budget and to provide appropriate feedback, to make recommendations and to communicate current industry market conditions. Contributes to the success of the credit union by providing prompt, efficient, accurate and friendly service to members, business partners and internal team members.
JOB DUTIES:
Will perform job duties in accordance with policies established by the Board of Directors under the rules and regulations set by the NCUA, CFPB, FCRA and State of Florida.
Determine and document acceptable compensating factors for granting loan requests and rate concessions beyond the automated system approval within designated lending authority. Consistently apply prudent lending principles as well as exercise sound judgment and decision-making skills.
Ensure that layered credit risk is managed through structuring loan conditions, (requiring additional collateral, additional co-makers, reducing loan terms, increasing down payments or lowering loan amounts) in credit union loans.
Recommend non-conforming first mortgages eligibility to be added to the Credit Union's portfolio and determine the applicable rates.
Consult with Credit Union management as required to provide feedback and to make recommendations on new products, rates, underwriting guidelines and loan policy changes.
Provide consultative resources to help members develop a solid credit profile by communicating financial alternatives, flexible rates and payments, and payoffs when necessary.
Proactively seek out additional lending opportunities and cross sales when evaluating loan requests.
Complete periodic Beacon reviews and using that information to cancel or extend credit limits.
Review and process employee loan requests.
Receive acceptable ratings for loan quality from regulatory examinations.
Provide high quality and timely service to all internal members, external members and sources of business and serve as a lending coach/mentor to FSO's and FC Managers.
Conduct requested training to better help upgrade credit related skills and competencies for staff.
Perform all other duties as assigned.
REQUIREMENTS:
Education: Minimum of a high school diploma or equivalent.
Experience: 3+ years of loan underwriting and credit approval. CUNA Lending Certification or equivalent lending experience.
Skills:
Knowledge of loan products and services.
Superior communication, interpersonal judgment and negotiation skills.
Solid analytical mathematical skills.
Ability to work a flexible schedule to include nights and weekends when deemed necessary.
Ability to work with computers and various software applications.
Ability to work effectively with all levels of management and staff.
Ability to provide consistently courteous, positive member service and foster the credit union's core values.
Thorough knowledge of credit reporting to correctly analyze lending situations.
Ability to complete in-class and online training as required by law or by the credit union.
Possess competency and familiarity with Credit Union lending products and services to provide accurate and timely information
Remain current in all applicable laws and regulations and ensure Fair Credit practices are followed
Intermediate Microsoft Office Suite skills
Americans with Disability Specifications
Physical demands: The physical demands described here are representative of those that must be met by a team member (employee) to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The team member (employee) must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision and distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
Conventional, Mortgage, Underwriter, Mortgage Underwriter, Conventional Underwriter, Banking, Underwriting, Loan
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