Mortgage Underwriter II

Position Summary

Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions.

Essential Functions

• Underwrite and approve Residential Mortgage loans, Construction loans, and Consumer loans and evaluate credit risk
• Conduct loan-level due diligence and ensure each loan conforms to bank underwriting and / or investor guidelines.
• Manage a pipeline of loans submitted for closing
• Interact with other areas of the bank, including processing, sales, and the closing / funding teams, as well as servicing and secondary sales teams.
• Perform a thorough review and analysis of all loan applicants in rendering a sound credit decision on all loans to ensure the Bank's ability to sell the loan on the secondary market or retain as a performing asset in its portfolio
• Review and analyze credit, income, assets and collateral to ensure compliance FNMA, investor or Bank portfolio guidelines
• Collaborate with team members and Management to identify or recommend potential solutions / exceptions for non-sellable or denied loan files
• Examine all loan documentation to ensure accuracy and compliance with all state and federal policies and regulations
• Communicate with mortgage sales, operations and branches to maintain a high level of customer service
• Serve as a leader / trainer / mentor to processors and less experienced Operations staff
• Maintain a high level of efficiency to ensure excellent turnaround times
• Maintain current knowledge of all industry and bank program changes, policies and procedures
• Communicates with Management on a loan by loan basis in recommending exceptions to policy

Additional Functions

Education and Experience

Knowledge, Skills, and Abilities

All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin / nationality, ancestry, religion / religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.