Senior Mortgage Underwriter at FARM BUREAU BANK

San Antonio, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

03 Apr, 26

Salary

30.0

Posted On

03 Jan, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Underwriting, Loan Applications, Credit Reports, Income Analysis, Asset Evaluation, Property Appraisals, Risk Assessment, Fraud Detection, Compliance, Loan Approval, Mentoring, Team Collaboration, Documentation, Regulatory Adherence, Quality Control, Reporting

Industry

Banking

Description

Job Details Job Location: Farm Bureau Bank-TX Headquarters - San Antonio, TX 78232 Position Type: Full Time Education Level: High School Salary Range: $24.00 - $30.00 Hourly Travel Percentage: Negligible Job Shift: Day Job Category: Banking Why Us? The Farm Bureau Bank team is rooted in service, strong relationships, and meaningful results. We offer financial services that support hardworking individuals who recognize the vital role of farming, ranching, and agriculture across the United States. Beyond traditional banking, we cultivate lasting partnerships, nurture growth, and aim to support rural communities that are often underserved by the banking industry. Farm Bureau Bank. Not just branches. Roots. FBB team members enjoy competitive compensation and generous benefits. Affordable Medical, Dental and Vision coverage Outstanding 401k – Employer match up to 5% Paid Volunteer Hours Accrued Paid Time Off (PTO) & Paid Holidays Life Insurance and Long-Term Disability (company paid) Continuing Education Opportunities View all available benefit options at Farmbureau.bank. Hiring for an in-person role in San Antonio, Texas only, with potential for hybrid schedule after 90 days. What you'll get to do: Help grow the Farm Bureau Mortgage brand. Review and analyze mortgage loan applications, credit reports, income, assets, and property appraisals. Ensure loans meet company, investor, FHA, VA, and other agency guidelines. Determine creditworthiness and risk level of applicants. Identify potential fraud or compliance issues and escalate as needed. Approve, suspend, or decline loans based on underwriting standards. Communicate decisions and conditions clearly to loan officers and processors. Maintain adherence to federal and state regulations, including TRID and HMDA. Respond to audits and quality control reviews promptly. Mentor junior underwriters and assist with training. Work closely with processing, closing, and sales teams to resolve complex scenarios. Utilize Loan Origination Systems for accurate documentation. Prepare reports for management as required. Maintain a tickler system. Performs other duties as assigned. Education and Experience Must have a high school diploma or equivalent. Must have a minimum of five (5) years Mortgage Loan Underwriting experience with mortgage products, including conventional, FHA, VA, and USDA loans. Leadership experience a plus. EEO Commitment Farm Bureau Bank is an equal opportunity/affirmative action employer and complies with all applicable federal, state, and local fair employment practices laws. Farm Bureau Bank strictly prohibits and does not tolerate discrimination against team members, applicants, or any other covered persons because of race, color, religion or creed, national origin or ancestry, sex (including gender, pregnancy, sexual orientation, and gender identity) age, physical or mental disability, citizenship, veteran status, or genetic information, or any other characteristic protected by applicable federal, state, or local law. All team members and anyone doing business with the Bank (including vendors, clients, and visitors) are prohibited from engaging in unlawful discrimination. This applies to all employment actions, including but not limited to, recruitment, hiring, training, promotion, discipline, compensation, benefits, and termination of employment.

Responsibilities

The Senior Mortgage Underwriter will review and analyze mortgage loan applications and ensure compliance with various guidelines. They will also mentor junior underwriters and work closely with other teams to resolve complex scenarios.