Mortgage Underwriter

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Regular or Temporary:

Regular

Language Fluency:  English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

(REMOTE within any Truist retail banking location)

Underwriter is responsible for underwriting residential mortgage loans to ensure compliance with bank, investor and secondary market standards. Communicates with processor, originators and other internal and external customers. Meets performance standards and goals established by the bank. Approve acceptable loans within maximum conforming lending limits.ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time. 

1. Perform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating all income type, calculating complex financial analysis, analyzing title reports and lien information, reviewing all financial statements, and reviewing all additional documentation prior to approval.

2. Ensure that all loan files are documented to meet portfolio and investor guidelines to ensure marketability and maintain quality standards.

3. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation.

4. Loans to be adequately conditioned to meet Mortgage Lending products, policies, processes, and their required documentation.

5. Adhere to all compliance regulations and controls.

6. Conduct proactive and effective pipeline management to ensure that metrics are met.

7. Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors.

8. Cultivate relationships with peers as a peer mentor.

QUALIFICATIONS

Required Qualifications:

The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Minimum five years of mortgage loan underwriting experience.

2. Excellent Communication skills, both written and verbal, in relating to internal and external clients.

3. Demonstrates proficiency in basic computer applications, such as mortgage automated processing systems and Microsoft Office software products.

4. Ability to travel, occasionally overnight.

Preferred Qualifications:

1. Bachelor\'s degree in Business or related field, or equivalent education and related training.

2. Basic knowledge of bank services and products.

3. Direct Endorsement and Staff Appraisal Reviewer Certifications.

4. FHA/VA/Bond Experience.

5. Jumbo, Wealth and Construction Experience.

OTHER JOB REQUIREMENTS / WORKING CONDITIONS

Sitting/Standing/Walking/Bending/Lifting

?      Sitting Constantly (More than 50% of the time)

?   Visual / Audio / Speaking

Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.

?   Manual Dexterity / Keyboarding

Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.

?   Availability

Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.

?   Travel Minimal and up to 10%

Truist supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace.

Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name