Mortgage Underwriter III at Sunflower Bank NA

Overland Park, Kansas, United States -

Full Time

Start Date

Immediate

Expiry Date

12 Oct, 26

Salary

0.0

Posted On

14 Jul, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Underwriting, Loan Application Review, Credit History Analysis, Collateral Evaluation, Regulatory Compliance, Appraisal Review, Microsoft Office Suite, Interpersonal Communication, Organization, Multi-tasking, Confidentiality

Industry

Banking

Description

Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Mortgage Underwriter III. Description: The Mortgage Underwriter III renders a final decision (e.g., approval, disapproval, approval with conditions) for mortgage loan applications in a timely, accurate and compliant manner. This position reviews loan applications based on factors such as capacity, credit history, capital, and collateral in compliance with company policy, contracts, investor guidelines, lending programs and state and federal laws and regulations. Responsibilities: Render a final underwriting decision (e.g., approved, suspend, denied) for mortgage loan applications based on factors such as capacity, credit history, capital and collateral. Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications. Formulate approval conditions, as appropriate. Review each loan file to verify documents are present, accurate, accurately calculated, compliant and sufficiently complete for an underwriting decision. Review and reach an underwriting decision on the appraisal. Accurately answer questions from and educate loan officers, loan processors, and other appropriate personnel about underwriting rules and how they apply to individual loan applications. Review and answer loan scenario questions from loan officers. Perform necessary computer-based functions for both internal and external IT systems. Conduct online research. Meet ongoing, short deadlines with regard to underwriting, closing, etc. Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs and state and federal law and regulation. Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company. Education / Experience Preferred: Graduation from a 4-year college or university with related major, preferred At least 10+ years of underwriting experience or combination of mortgage processing and underwriting experience Conventional FNMA & FHLMC FHA Direct Endorsement (DE) approved Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR) Preferred but not required: minimum of two of the following specialty areas: Portfolio Lending, Construction One Time and/or Two Time Close, or Jumbo Non-Conforming USDA preferred but not required Knowledge of Construction One Time and Two Time Close underwriting-preferred but not required Knowledge of Jumbo Non-Conforming Service Release underwriting Down payment assistance programs-preferred but not required Must be proficient in Microsoft Office Suite. Must possess excellent verbal, written and interpersonal skills. Must possess excellent organization and multi-tasking skills. Ability to maintain confidentiality. Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at www.sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. We accept applications on an ongoing basis until the role is filled. There is no fixed deadline to apply. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

Responsibilities

The Mortgage Underwriter III is responsible for rendering final approval or denial decisions on mortgage loan applications based on capacity, credit, capital, and collateral. They must ensure all files are compliant with company policy, investor guidelines, and federal regulations while educating loan officers on underwriting rules.