Career Opportunities with FirstBank

Tennessee’s premier community bank, dedicated to meeting our clients’ needs – big and small.

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

Mortgage Underwriter

Territory: Work From Home

At FirstBank Mortgage, our core purpose is to help other people get to a better place and we proudly strive to honor it every day.

FirstBank Mortgage Bankers are dedicated to building enduring relationships by providing a home lending experience unmatched in personal service, professional excellence and complete client satisfaction. By providing in-house underwriting, closing and funding, we uniquely manage the entire loan process under one roof.

Our Underwriting position is responsible for providing a loan decision based on an individual’s credit history, financial position, and strength of collateral. This person must have an extensive understanding of FHA, VA, and RD guidelines. The ability to be approachable and manage work flow is essential.

This position can be work-from-home and incentive eligible after the probationary period.  

Essential Duties and Responsibilities:

Complete, thorough analysis of loan files to determine compliance with investor, FHA, VA, RD, and State Housing guidelines.

Respond to post-closing, insuring, and audit reviews in a timely fashion. Communicate loan decision to appropriate parties both orally and/or in writing.

Review and clear conditions.

Complete all required data entry into FAMC loan tracking systems.

Communicate to Loan Originator and Processor through calls or emails related to FAMC loan products, underwriting guidelines, loan scenarios, file statuses, etc.

Work outside the standard work day, if required.

Education and /or Experience

  • High School diploma or GED required, an associate’s degree preferred.
  • 3+ years of origination underwriting experience, with current working knowledge of  Fannie/Freddie, FHA/VA, RD, and State Housing guidelines, documents, and terminology.
  • Thorough knowledge of automated underwriting systems, including Fannie Mae's Desktop Underwriter, Freddie Mac's Loan Prospector and Rural Development's Guaranteed Underwriting System.
  • Strong customer service and ability to help in a friendly and helpful manner.
  • Strong written and verbal communication skills with ability to provide quick responses to questions.
  • Must be able to work in a fast paced environment with low tolerance for error.

 

 

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