SUMMARY

We are seeking a detail-oriented Mortgage Underwriter responsible for underwriting all mortgage loans in accordance with agency, program, and investor guidelines. The ideal candidate will demonstrate strong communication skills and a commitment to accuracy in the underwriting process.

SKILLS/EXPERIENCE/EDUCATION

• High School Diploma or equivalent education and experience.
• Minimum of 5 years mortgage lending experience.
• Minimum of 3 years appraisal review experience.
• Minimum of 5 years credit review experience.
• Should be proficient in Adobe, Excel, Word, basic internet applications.
• Good verbal and written communication skills.
• Highly organized and able to quickly prioritize job requirements as needed.
• Expected to have complete understanding of the RESPA/TILA/TRID rules as well as all knowledge of regulatory guideline requirements as it pertains to Mortgage Lending.
• Manage not less than 30 new files per month reviewed.
• Maintain turn times of not less than 72 hours for initial review and 48 hours of resubmissions.

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS

• Ability to travel if required to perform the essential job functions.
• Ability to work under stress and meet deadlines.
• Ability to read and interpret a document if required to perform the essential job functions.
• Prolonged periods of sitting at a desk and working on a computer may be required.
• Ability to lift/move/carry approximately 15 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division any “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
  Gulf Coast Bank & Trust Company and its subsidiaries is committed to a diverse and inclusive workforce. We are committed to equal employment opportunities without regard to race, color, genetic information, religion, sex, affectional or sexual orientation, gender identity or expression, age, marital status, military and veteran status, physical and mental disability, and any other characteristic protected by applicable law. We believe in attracting, retaining, and promoting quality talent and recognize that our diversity is critical to the success of the company

• Underwrite mortgage loans to ensure compliance with agency, program, and investor guidelines.
• Maintain availability for incoming calls to address questions and issues, prioritizing email communication when necessary.
• Collaborate with Mortgage Loan Originators (MLO) and Loan Processors (LP) to resolve issues efficiently.
• Minimize errors by managing time effectively and prioritizing tasks during the underwriting process.
• Utilize the underwriting desk email queue to respond to scenario questions and documentation inquiries.
• Communicate with the operations manager when immediate assistance is required and the underwriter is unavailable.
• Performs other duties as assigned.
  Requirements: