bankESB

Hometown Mortgage is a division of bankESB, a Hometown Financial Group company that focuses on making home financing simple and stress-free while maintaining a commitment to community banking.

Mortgage Underwriter

Financial Planning and AnalysisFinancial Planning and AnalysisFull TimeRemote

Location

United States

Posted

16 days ago

Salary

Not specified

No structured requirement data.

Job Description

This position involves providing the highest level of service and responsiveness to customers in the mortgage industry. Review financial and collateral documentation as required by the bank and the secondary market. Analyze and sign off on all required documentation including credit, income, asset, and collateral documentation. Demonstrate sound judgment and knowledge of the Bank’s underwriting guidelines. Complete underwriting analysis for residential loan applications and home equity applications. Update information in the mortgage system and follow up with Origination and processing staff on remaining conditions prior to closing. Ensure all Compliance and Regulatory requirements are met throughout the loan process. Monitor updates of current practices in loan underwriting including all investor standards. Protect the confidentiality of non-public customer information (NPCI) and the security of information technology resources. Participate in community development service within the Bank’s assessment area.

Job Requirements

  • Associate degree in a business-related field or equivalent of 8 years recent underwriting experience.
  • Active DE Chums number to underwrite FHA loans with a minimum of 3+ years’ experience.
  • 3+ years’ experience underwriting VA and USDA loans.
  • Working knowledge of Encompass is required.
  • Must have working knowledge of FNMA and FHLMC guidelines.
  • Experience with underwriting Housing agency and Mortgage Partnership Finance loans is a plus.
  • Recent experience in reviewing condominiums for compliance with FNMA and FHLMC guidelines is a plus.
  • Strong communication, organizational, and analytical skills required.
  • Must be able to use various office equipment including a PC.
  • Work arrangement: May be fully remote, but candidates must reside in MA, CT, NH, or RI.
  • Must be willing and able to travel to North Attleboro, MA.

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