Career Opportunities with FirstBank

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FirstBank is an Equal Opportunity Employer. We encourage minority and female applicants to apply.

Consumer Direct Mortgage Loan Underwriter

Territory: Charlotte, NC

Who We Are

We are currently looking for energetic, hardworking and knowledgeable  underwriting team members to work remotely from home for the position of Underwriter I. Within this role, you will be responsible for underwriting residential mortgage loans while ensuring compliance with underwriting guidelines and procedures set forth by ConsumerDirect Mortgage.

What you will do

  • Validate automated underwriting findings, asset, income, and collateral documents while verifying accuracy and completeness 
  • Review appraisal to ensure valuation is accurate and value is supported 
  • Calculate and review the Net Tangible Benefit in applicable states 
  • Communicate with processors, sales management or processing management as needed to ensure all parties are aware of loan status and any outstanding requirements 
  • Ensure you meet daily, weekly and monthly internally specified requirements surrounding productivity metrics 
  • Ensure the loans in your pipeline are being underwritten with attention to detail, accuracy, and within compliance of current agency, investor, corporate and RESPA policies 
  • Responsible for finding solutions to challenging scenarios or loan conditions by collaborating with underwriting or processing colleagues 
  • Represent the organization to internal and external customers, vendors, members of state and regional government entities and other organizations well by providing exceptional communication skills written and orally 
  • Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, corporate procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements 

What you need

  • Positive attitude with lots of energy 
  • Computer competency 
  • Creative thinking to find appropriate or alternative solutions to challenging scenarios 
  • Excellent telephone, communication (oral and written), interpersonal and organizational skills 
  • Ability to work well with a team environment and take constructive criticism, coaching and feedback on a consistent basis
  • 3+ years of recent underwriting experience in a high energy, fast paced mortgage lender environment 
  • Ability to work independently and render accurate loan dispositions without constant supervision or intervention 
  • Deep understanding of income calculation as it relates to all income sources including self-employment 
  • Encompass 360 Banker Edition and Leads 360 Experience a plus
  • Solid knowledge of RESPA, FHLMC, and FNMA program guidelines
  • Intimate working knowledge of FNMA DO/DU and FHLMC LP 
  • Ability to multitask, prioritize, and manage large volume of originations while providing excellent customer service 

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