Loan Underwriter

Role Overview: As an Underwriter IV, you will be responsible for underwriting and evaluating the most complex conventional, FHA, VA, and CRA Residential Mortgage applications while ensuring compliance with bank policies and procedures. Additionally, you will evaluate Home Equity and Consumer Loans to maintain the quality of each loan submitted. Key Responsibilities: - Underwrite complex residential mortgage loans and assess risks, ensuring the quality of each loan - Review and underwrite senior-level portfolio loans such as CEMA, Med/Pro, Construction, Jumbo, and Wealth - Make loan decisions, provide alternative options, or take adverse action based on sound judgment and within risk tolerance - Recommend alternative structures and assessments independently - Evaluate all loan documents and conditions appropriately - Identify loans for exceptions and ensure proper approval procedures are followed - Escalate integrity issues when necessary and ensure compliance with internal and external regulatory requirements - Maintain knowledge of loan product guidelines, internal policies, procedures, and regulatory requirements - Provide indirect supervisory authority by coaching and mentoring junior underwriters, assisting with training, and assessing analysis for accuracy and compliance - Obtain and review financial information for in-depth credit analysis - Serve as a subject matter expert in complex loan processes Qualifications Required: - 4 Year Degree or equivalent experience preferred - 5-7 Years of related experience - Strong understanding of local market sector and industry trends - Ability to interpret real estate appraisals and mitigate project risks - Proficient in Microsoft Office Suite - Excellent written and verbal communication skills - Strong interpersonal and negotiation skills - Emphasis on documentation and risk management - Ability to analyze complex tax returns for cash flow income determination - Experience in underwriting complex jumbo loans and knowledge of agency guidelines,