CNB Bank Mortgage Underwriter -Home Equity

CNB Bank Mortgage Underwriter -Home EquityJob Type

Full-time

Description

Mortgage Underwriters are detailed-oriented people who will thrive in a time sensitive and sophisticated environment. Underwriters provide support to the Mortgage Underwriting Officer, Mortgage Origination Team Leaders, and Lenders.

They proactively work with lenders and clients to analyze home equity mortgage application files to determine product qualifications, while ensuring documentation collected and calculations meet internal policy and ensurepliance standards are being met.

Below is a list of essential job functions. Additional responsibilities may be assigned in the position.

PROVIDE ENHANCED CLIENT SERVICE

This position is a key source of providing outstanding client service by displaying a positive demeanor, crafting innovative solutions to sophisticated problems and possessing capability of managing change.

They will actively promote and refer appropriate products and services focusing on our client's needs. Understand and account for the time sensitive nature of the mortgage process working to exceed the client's goals and expectations.

They must be willing to and successfully collaborate with other team members.

FOSTER OUR CULTURE

You must demonstrate excellentmunication skills through effective conversations and collaboration. Be the source of outstanding client and employee experiences.

Seek opportunities to support volunteerism in the localmunity, increase the bank's outreach and foster new client relationships.

Respect employees and clients in a professional and inclusive environment. Find a way to say YES!

PROMOTE DIGITAL AWARENESS

Explore efficiencies with new technology to improve processes within the bank. Embrace advancements in banking technologies and internal applications.

FOCUS ON ACCURACY AND ATTENTION TO DETAIL

A Mortgage Underwriter reviews documentation for residential real estate loans preparing files for ultimate decision. Collaborates with lenders, clients, administrative staff and management to ensure that accurate documentation has been received and analyzed for qualification.

Works to clear deficiencies and exceptions. Accountable to individual and team service standards, policies and procedures.

Without sacrificing accuracy, this position requires excellent time management, the ability to appropriately prioritize efforts and a focus on timeliness in a fast-paced work environment.

SEEK PROFESSIONAL DEVELOPMENT OPPORTUNITITES

Seek out opportunities to advance knowledge of rules and regulations that impact the residential mortgage lending process, both internal and external.

Monitors industry andpliance changes and advancements. Advancement in this career may include demonstration of outstanding loan underwriting abilities, proven leadership, training new department employees, may act as a back up to the team leader and / or team leader promotion.

Requirements

QUALIFICATIONS, EDUCATION, AND EXPERIENCE

To perform this job successfully, an individual is required to perform each crucial job requirement satisfactorily and a skills inventory is listed below.

A high school diploma or general education degree (GED) is required. Secondary education with related experience preferred.

A criminal background checks will be conducted. Reasonable amodations may be made to enable individuals with disabilities to perform the essential functions.

Position level will bemensurate with knowledge, experience and education.

LANGUAGE SKILLS : Ability to read,prehend, and interpret documents. Possesses professionalmunication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization.

Ability tomunicate to clients directly and effectively.

• TECHNOLOGY SKILLS : Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use, Prior experience or the ability to learn core transaction system, Empower, statement processing system, and any otherputer programs pertinent to performing job duties.
• MATHEMATICAL SKILLS : Ability to add, subtract, multiply, and divide in all units of measure. Ability topute rate, ratio, and percent and to draw and interpret bar graphs.
• REASONING ABILITY : Ability to applymon sense understanding to carry out instructions furnished in written, oral, or diagram form.

Ability to solve exciting problems involving several variables in a standardized situation.

PHYSICAL DEMANDS AND WORK ENVIRONMENT : Representative of those that must be met by an employee to successfully fulfil this position.

This position operates professionally in an office environment with considerable time spent at a desk using office equipment such asputers, phones, and printers.

Noise level is moderate with constantmunication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K withpany match and profit-sharing program
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

Equal Opportunity Employer / Affirmative Action : Minority, Female, Veteran, Persons with Disabilities

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