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Mortgage Underwriter at Champlain National Bank

Plattsburgh, New York, United States -

Full Time

Start Date

Immediate

Expiry Date

13 Apr, 26

Salary

0.0

Posted On

13 Jan, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Underwriting, FHA, VA, USDA, Conventional Loans, Portfolio Loans, TRID Disclosures, New York State Mortgage Laws, Analytical Judgment, Communication Skills, Organizational Skills, Customer Service, Detail-Oriented, Workflow Management, LOS Platforms, AUS Systems

Industry

Banking

Description

Description This position underwrites Residential Mortgages and Home Equity Loans in compliance with company policies, regulatory requirements, and investor guidelines. The underwriter decisions loan files, collaborates with Mortgage Loan Officers and staff to verify documentation, applies sound judgment to mitigate risk, and maintains comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, VA, USDA, and Home Equity Programs. Being approachable and effectively managing workflow is essential. Requirements At least 3 years of residential mortgage underwriting experience VA SAR designation preferred (or ability to obtain) FHA Direct Endorsement (DE) authority (or ability to obtain) Proven expertise underwriting FHA (DE), VA, USDA, Conventional, and Portfolio loans Strong working knowledge of TRID disclosures and redisclosure requirements Knowledge of New York State mortgage laws and consumer protection requirements Proficiency with LOS platforms (e.g., Encompass, Meridian Link) and AUS systems including including Desktop Underwriter, Desktop Originator, Loan Product Advisor, TOTAL Mortgage Scorecard, VA Loan Guaranty and Guaranteed Underwriting System. Strong analytical judgment, communication, and organizational skills Ability to research lending guidelines and work independently. Excellent verbal and written communication skills and strong organizational skills. Detail-oriented and accurate. Ability to work in a fast-paced environment, producing a high volume of work. Demonstrated interpersonal skills and a desire to provide internal and external customers excellent customer service.

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Responsibilities

The Mortgage Underwriter is responsible for underwriting residential mortgages and home equity loans while ensuring compliance with company policies and regulatory requirements. This role involves collaborating with loan officers to verify documentation and applying sound judgment to mitigate risk.