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Mortgage Underwriter (remote position is possible)

Company: Tri counties bank
Location: Roseville
Posted on: May 3, 2021

Job Description:

Remote work opportunity! Must have experience in Mortgage underwriting.Fantastic benefits including eligibility for comprehensive medical/dental/vision coverage, paid time off (Vacation and many Holidays), Employee Stock Ownership Program and 401K...and an opportunity to build a career with a company you can be proud to work for.MUST HAVE Home Mortgage underwriting experience and prefer 5 years of recent experience in underwriting credit and property.Performs credit and property analysis on conventional loan files, ensuring compliance with appropriate company and investor standards. Makes final loan decisions within written approval authority in accordance with appropriate guidelines. Adequately and effectively explains in written and/or verbal form the decision reached in a manner that will maintain a positive relationship with customers, staff and investors.MAJOR RESPONSIBILITIES Provides exceptional customer service to staff, investors and outside customers. Performs timely reviews of loan submissions and conditions. Analyze credit, collateral and accompanying documents to render sound credit decisions Examine loan documents for accuracy and completeness Analyze complex financial reports/documents to determine applicant income and ability to repay loan Assess applicant(s) credit to adhere to all regulatory, compliance and investor requirements. Maintain current understanding of various documentation types, loan programs, as well as all overall general underwriting guidelines. Meet production, quality and service standards along with providing feedback to ensure quality Assess appraisal, title reports and other documents frequent to mortgage lending Underwrite in accordance with private mortgage insurance. Reviews all loan documents for accuracy. Provides information and support to processing team as needed regarding loan guidelines.OTHER RESPONSIBILITIES Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties. Knowledge of Bank appraisal policies and procedures. Available as a resource advisor for all staff. Performs other work-related duties as assigned.EDUCATION, EXPERIENCE AND OTHER SKILLS REQUIRED High school diploma or GED required. 5 years of recent experience in underwriting credit and property. Knowledge of Fannie Mae, Freddie Mac and private mortgage insurance underwriting requirements. Excellent verbal and written communication skills. Ability to effectively make decisions in an independent manner. Good organizational skills to accommodate involvement in multiple areas. Ability to work with people in an efficient and friendly manner. Current working knowledge of Desktop Underwriter and Loan Prospector automated underwriting systems. Ability to assess complex information in a timely manner. Proficient in Encompass loan origination system. Knowledge of Secondary marketing pricing. Ability to utilize personal computers and Windows driven programs.COMPANY PROFILEEstablished in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ:TCBK) headquartered in Chico, California, providing a unique brand of customer Service with Solutions available in traditional stand-alone and in-store bank branches in communities throughout Northern and Central California.The Bank provides an extensive and competitive breadth of consumer, small business and commercial banking financial services, along with convenient around-the-clock ATM, online and mobile banking access.Tri Counties Bank has remained strong and profitable through a top-down commitment to its core values, sound business principles and responsible lending practices.Our success is also based on our involvement in the communities we serve. The personal touch comes naturally to Tri Counties Bankers. You may recognize us at business, school and non-profit events, baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams or attending an event in The City or on the peninsula. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Tri counties bank, Roseville , Mortgage Underwriter (remote position is possible), Other , Roseville, California

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