Mortgage Loan Underwriter II - Centennial Bank - Home BancShares : Job Details

The Mortgage Loan Underwriter II is responsible for the underwriting function for residential mortgage loans and related products. This positions has delegated decision-making authority on originated applications within HBI, investor, or agency guidelines or parameters. Additionally the Underwriter is responsible for the monitoring of and complying with regulatory compliance on all applications. This position helps to improve customer service by underwriting all loans in a timely manner. ESSENTIAL DUTIES AND RESPONSIBILITIES 1. Underwrite Conventional, FHA, VA and Rural Development loans, be able to analyze borrowers' credit to determine if the borrower has the capacity and the willingness to repay the loan. This duty is performed daily, about 20% of the time. 2. Underwrite mortgage loan applications and evaluate loans in order to maximize organizational profit and minimize risk or loss. This duty is performed daily, about 20% of the time. 3. Thoroughly examine appraisals to ascertain ...Mortgage, Underwriter, Writer, Underwriting, Loan Officer, Processor, Banking, Business Services