Mortgage Underwriter

We are an employee and customer focused savings bank and are looking for an energetic full time Mortgage Underwriter.  We offer an environment of excellence where teamwork and accountability are a must!

This position in our Loan Operations department in our Operations Center in Adams.

If you have a TRUE passion for delivering exceptional customer service to your team -

If you have a high attention detail and like analyzing financial documents  -

If you like having multiple projects going at the same time -

If this describes you, we know that you will be surrounded by people who are passionate about what they do, committed to excellence, and know how to have fun doing their work.  Please take a look at the job description below and if you are interested, please apply!

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Job Purpose :

Actively participate in and foster the ACB Culture of excellence while supporting the Bank’s strategic initiatives.

Provide above and beyond customerservice to building solid and long lasting relationships by engaging allcustomers internal and external.   Provide quality analyst and accurate review ofall ACB loan origination documentation.

Consistently and effectively manage behavior within ACB’s established customer service standards and core values while adhering to all established Bank Policy and procedures.

Critical Drivers :

• Maintain productivity and response times as measured by the current underwriting guidelines
• Maintain quality of credit decisions as measured by current delinquency and loss ratios

Duties and Precise Tasks :

12. Conditions loans for Bank Portfolio, Agency, Investor acceptance, and acceptance of automated underwriting systems (AUS) decisions.

13. Manage very tight deadlines & quality of loans underwritten with an understanding of industry standards and documentation requirements for loans sold to investors,

14. Execute delivery of originated loans to investors. Utilize Loan Origination System to transmit loan delivery data to investors to minimize key-stroke error and processing time.

15.  When further documentation is required to deliver a loan, work the manager and the investor to facilitate the delivery of required documents to the investor, with the goal of minimizing repurchase or post-purchase adjustment risk.

16.  Assist the manager in completing various lending reports.

Human Relations / Emotional / Mental Demands :

Contact with existing / potential customers and employees through telephones, correspondence or personally interact with in all areas. Confidentiality of potential and existing client and employee information requires professionalism, discretion and diplomacy.

Knowledge, Skills and Abilities :

Must possess the ability to read, write and speak fluently in the English language, organization and customer service skills with both internal and external customers

Excellent communication (written and verbal), organization and customer service skills with both internal and external customers

Ability to :

Strong organizational, problem solving, multi-tasking and analytical skills

Acute attention to detail

Required Computer Skills : Microsoft Office, including Word, Excel, and Outlook

Knowledge of applicable state and federal regulations and responsibilities relating to them

Education and Experience :      Minimum 4-5 years of experience in mortgage underwriting, including secondary market knowledge.

Working conditions : Time spent :

Physical Demands :

Employee will have the following physical demands :

Reading of written, printed or computer screen data

Able to transport self, in a timely manner, to and from meetings, conferences & events

Adams Community Bank is an Equal Opportunity Employer.