Description:
Will consider remote applicants from the following states: MN, SD, IA, MO, AR, WI, or FL. Pay Range: $64,000 - $95,000. Underwrite mortgage loan applications in accordance with industry standards, investor requirements and Heritage Bank loan policy to minimize potential risk or loss.

Primary Duties & Responsibilities:

• Underwrite a full range of mortgage loans including Agency, Jumbo, FHA, and VA loans
• Proactively manage a pipline of loans and ensure all documentation meets company guidelines
• Provide best-in-class client service through professional communication and with internal and external customers.
• Analyze and evaluate loan applications and supporting documentation to determine program eligibility, credit worthiness and assess the repayment capacity in order to maximize profit and minimize risk or loss.
• Communicate the written underwriting findings and assist with possible resolutions to deficiencies found in the file.

Secondary Duties & Responsibilities:

• Responsible for performing professional and accurate service.
• Attends committee assignments and staff meetings as scheduled.
• Responsible for compliance with laws and regulations applicable to this position.
• Participates in Team / Committee meetings as assigned.
• Participates in all required BSA training and demonstrates the knowledge of BSA relative to job responsibilities.
• Responsible for security as it applies to this position.
• Performs other tasks as assigned.

Bank Standards:

• Mission – Helping People Succeed Financially
• Ethics – We always do the right thing at work and in our personal lives.
• Solution – We bring solutions to challenges and are always looking for ways to be better.
• Ownership – We are accountable in our roles and accept responsibility for our mistakes.
• Positivity – We bring positive energy and enthusiasm to everything we do.

Disclaimer:
The statements contained in this job description describe the general nature and level of work being performed by the person accepting this role. “Secondary Duties and Responsibilities” are considered incidental or secondary to the overall purpose of the job. This job description does not state or imply the only duties and responsibilities assigned to this job. Employees holding this job will be required to perform any other job-related duties requested by management. All job requirements are subject to possible modification to reasonably accommodate individuals with a disability.
Requirements:

Education

• High school diploma or GED required; BA or BS desired

Experience

• 3-5 years of mortgage underwriting experience required, ideally with 2 years in FHA/VA loans
• FHA Direct Endorsement, VA-SAR, and LAPP certifications desired
• Proficiency with automated underwriting systems
• Self-starter with strong work ethic and professionalism

Other Skills / Characteristics

• Well developed interpersonal, written and verbal communication skills
• Proficient computer skills
• Detail oriented with excellent decision making and problem-solving ability
• Able to work accurately under deadline pressure

Primary Duties & Responsibilities:

• Underwrite a full range of mortgage loans including Agency, Jumbo, FHA, and VA loans
• Proactively manage a pipline of loans and ensure all documentation meets company guidelines
• Provide best-in-class client service through professional communication and with internal and external customers.
• Analyze and evaluate loan applications and supporting documentation to determine program eligibility, credit worthiness and assess the repayment capacity in order to maximize profit and minimize risk or loss.
• Communicate the written underwriting findings and assist with possible resolutions to deficiencies found in the file

Secondary Duties & Responsibilities:

• Responsible for performing professional and accurate service.
• Attends committee assignments and staff meetings as scheduled.
• Responsible for compliance with laws and regulations applicable to this position.
• Participates in Team / Committee meetings as assigned.
• Participates in all required BSA training and demonstrates the knowledge of BSA relative to job responsibilities.
• Responsible for security as it applies to this position.
• Performs other tasks as assigned