Loan Originations - Underwriting

February 26, 2026

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Job Summary

Data - The Loan Underwriter III underwrites and evaluates conventional FHA VA and CRA Residential Mortgage applications in compliance with bank policies and procedures. This job also underwrites and evaluates Home Equity and Consumer Loans.

Responsibilities

Underwrites ethical and salable residential mortgage and consumer loans and evaluates risk while ensuring the quality of each loan submitted

Approves loans issues alternative options or adverse action accordingly using sound judgment while applying bank policies and procedures

Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function

Evaluates all documents and conditions loan accordingly

Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation clears or resolves any issues

Escalates integrity issues as appropriate and ensures files are compliant to internal guidelines and external regulatory requirements

Maintains knowledge of loan product guidelines internal policies and procedures and regulatory requirements

Coaches and mentors assigned operations staff assists with training and guidance as assigned

Monitors vendor performance if required submits monthly reports to management

Education & Experience

2 year degree or equivalent experience preferred

3 to 5 years loan underwriting experience or 5 to 7 years of loan processing experience

3 to 5 Years Residential Loan Underwriting Experience

Supports the High Net Worth Wealth Mgmt customers with residential consumer lending limits in the $1 to 2MM aggregate range as approved by Credit Risk Management

Outstanding knowledge of loan underwriting documentation requirements

Mortgage Operations to complete knowledge of FNMA DU automated underwriting system must also be familiar with underwriting jumbo loans and government products such as FHA and VA loans

Ability to effectively communicate with all types of personalities and the ability to provide excellent customer service to both internal and external customers

Superior oral and written communication skills

Excellent PC skills

In to depth knowledge of regulatory investor and departmental lending policies for underwriting of conventional loan requests

In to depth knowledge of CRA products and industry

Detail oriented possessing excellent organizational analytical and decision making skills

Ability to communicate with multiple business partners in the organization

Ability to handle heavy workload multitask and meet stringent deadlines

Certifications Required

Certification in MS Excel or related data analysis tools is preferred.

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