Talent.com
Mortgage Underwriter
Mortgage UnderwriterServisFirst Bank • Birmingham, AL, US
No longer accepting applications
Mortgage Underwriter

Mortgage Underwriter

ServisFirst Bank • Birmingham, AL, US
30+ days ago
Job type
  • Full-time
Job description

Job Description

Job Description

At ServisFirst, Our Name is Our Mission.

DUTIES AND RESPONSIBILITIES

The Mortgage Underwriter is responsible for the timely and accurate underwriting of all mortgage loan files according to bank and investor guideline and compliance regulations.

The incumbent will:

  • Underwrite mortgage loans to ensure compliance with bank and investor guidelines
  • Assess loan attributes and documentation for soundness and accuracy
  • Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines
  • Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines
  • Determine and document loan conditions, requirements, and decisions
  • Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID
  • Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans
  • Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary
  • Maintain knowledge of all applicable underwriting guidelines
  • Review legal and regulatory compliance documents for accuracy
  • Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time
  • Provide guidance to processors regarding procedures and requirements
  • Assist closing/post-closing personnel to ensure loan is purchased by investor
  • Perform administrative duties such as faxing, photocopying, filing and phone support as necessary
  • Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies

Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.

Note: Additional duties and responsibilities may be assigned.

MINIMUM QUALIFICATIONS

  • High school diploma or equivalent; some college preferred
  • Five (5) years of mortgage lending experience
  • Three (3) years of mortgage underwriting experience
  • Previous experience using automated underwriting technology preferred
  • Basic knowledge of bank operations and products
  • Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies
  • Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements
  • Excellent knowledge of agency and investor guidelines
  • Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence
  • Proficient in Microsoft Outlook, Word and Excel
  • Excellent customer service and time management skills
  • Ability to multitask, as shown in previous experience completing tasks under time constraints
  • Good organizational skills
  • Good data entry/keyboarding and math skills

PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS

The physical requirements and environmental conditions of this position consist primarily of:

  • Sustained standing and sitting
  • Frequent use of PC, including typing or sustained attention to monitor
  • Frequent typing using a keyboard and/or calculator
  • Occasional lifting of basic office files or equipment up to 20 lbs
  • Normal office environment with comfortable internal temperatures and low level noise

EOE/AA

Create a job alert for this search

Mortgage Underwriter • Birmingham, AL, US

Similar jobs

Government & Institutional Banking Credit Underwriter

Regions BankVestavia Hills, AL, United States
Full-time

Thank you for your interest in a career at Regions.At Regions, we believe associates deserve more than just a job.We believe in offering performance-driven individuals a place where they can build ...Show more

 • Promoted

Associate Underwriter

AmwinsBirmingham, AL, United States
Full-time

At Amwins, we succeed together - and have a good time doing it.We know people don't leave companies.They leave cultures - which is why we work so hard on ours.At Amwins, we thrive on collaboration,...Show more

 • Promoted

Branch Loan Underwriter- Birmingham Area

AmFirstBirmingham, AL, United States
Full-time

Branch Loan Underwriter- Birmingham Area.Job Category: Regular Non Exempt.Requisition Number: BRANC003145.Location: Downtown Birmingham, AL 35203, USA.AmFirst is committed to trust, integrity, and ...Show more

 • Promoted

Mortgage Loan Originator

Local BankVestavia Hills, AL, United States
Full-time

The Mortgage Loan Originator is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and gu...Show more

 • Promoted

Underwriter - Medical Professional Liability

ProAssurance'sBirmingham, AL, United States
Full-time

An exciting opportunity exists to join the ProAssurance family of companies! Our mission is powerful and simple: We protect others.Choosing a place to apply your talents is an important decision fo...Show more

 • Promoted

Commercial Lines Underwriter

H.W. Kaufman GroupBirmingham, AL, United States
Full-time

When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox.Burns & Wilcox offers unparalleled resources and exposure for those looking to excel in t...Show more

 • Promoted

Senior Underwriter, Middle Market Multi-Indsutry

Liberty Mutual InsuranceHomewood, AL, United States
Full-time

We are seeking an experienced Middle Market Senior Underwriter to underwrite commercial property & casualty risks in the middle market segment.As an individual contributor, you will make analytical...Show more

 • Promoted

Sr Commercial Credit Underwriter

Search AmericaBirmingham, AL, United States
Full-time

Sr Commercial Credit Underwriter.The Sr Commercial Credit Underwriter will perform due diligence and financial analysis on the bank's larger and more complex loan requests including CRE, C&I, Resid...Show more

 • Promoted

BBLU Credit Underwriter I

RENASANT BANKBirmingham, AL, United States
Full-time

The BBLU Credit Underwriter I position provides fundamental commercial credit and financial analysis support to Renasant Bank's Business Banking Lending Unit (BBLU).Renasant Bank is an equal opport...Show more

 • Promoted

CLU Credit Underwriter I

RenasantBirmingham, AL, United States
Full-time

US-TN-Nashville | US-AL-Birmingham | US-GA-Atlanta | US-FL-Ocala | US-FL-Ocala | US-MS-Tupelo.The CLU Credit Underwriter I will provide commercial credit and financial analysis support to Renasant ...Show more

 • Promoted

Mortgage Retail Sales Consultant

Wells FargoBirmingham, AL, United States
Full-time

Mortgage Retail Sales Consultant (SAFE).Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Lending as part of Home Lending.Participate in soliciting residential mortgages ...Show more

 • Promoted

Long-Term Care Senior Underwriter - Medical Professional Liability

ProAssuranceBirmingham, AL, United States
Full-time

An exciting opportunity exists to join the ProAssurance family of companies!.Our mission is powerful and simple: We protect others.Choosing a place to apply your talents is an important decision fo...Show more

 • Promoted

Senior Underwriter, Middle Market Multi-Indsutry

Liberty Mutual Insurance GroupBirmingham, AL, United States
Full-time

Middle Market Senior Underwriter.We are seeking an experienced Middle Market Senior Underwriter to underwrite commercial property & casualty risks in the middle market segment.As an individual cont...Show more

 • Promoted

Management Liability Underwriter, Outside Sales (Account Executive)

TravelersBirmingham, AL, United States
Full-time

Underwriting Account Executive.Bond & Specialty Insurance provides management and professional liability insurance, as well as surety bonds to businesses and non-profit organizations of all sizes.A...Show more

 • Promoted

Management Liability Underwriter, Outside Sales (Account Executive)

Travelers InsuranceVestavia Hills, AL, United States
Full-time

Taking care of our customers, our communities and each other.By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 17...Show more

 • Promoted

Long-Term Care Senior Underwriter - Medical Professional Liability

ProAssurance'sBirmingham, AL, United States
Full-time

Our mission is powerful and simple: We protect others.Choosing a place to apply your talents is an important decision for anyone.At ProAssurance, we sell a pledge, and that pledge is delivered by o...Show more

 • Promoted

Mortgage Loan Originator

United Community BankBirmingham, AL, United States
Full-time

United Community is an experienced, driven, and customer-focused Mortgage Loan Officer (MLO) to join our team.The MLO will help individuals and families achieve their homeownership dreams.In this r...Show more

 • Promoted

Management Liability Underwriter, Account Executive - Hoover, AL

VetJobsHoover, AL, United States
Full-time

ATTENTION MILITARY AFFILIATED JOB SEEKERS.Our organization works with partner companies to source qualified talent for their open roles.The following position is available to Veterans, Transitionin...Show more