Career Opportunities with FirstBank

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

Careers At FirstBank
Share with friends or Subscribe!

FirstBank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

Mortgage Underwriter

Territory: Remote

Summary:

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

 

Essential Duties and Responsibilities:

  • Complete, thorough analysis of loan files to determine compliance with FAMC, 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
  • Performs other duties as assigned

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with the disabilities to perform essential functions

Adherence to Policies and Procedures:

  1. Attendance
  2. Punctuality
  3. Required Training
  4. Dress Code
  5. Safety
  6. Compliance
  7. Confidentiality

Education and /or Experience

  •  High School diploma or GED required, an associateís degree preferred
  • 3+ years of underwriting experience, with current working knowledge of FAMC, Fannie/Freddie, FHA/VA, RD, and State Housing guidelines, documents, and terminology.

 

Customer Service

  • Ensure each customer is acknowledged in a friendly and helpful manner.
  • Offer the customer an alternative if unable to satisfy a request.
  •  Demonstrate effective interpersonal skills necessary to interact positively with both customers and staff members.

Language Skills

Must have the ability to read and comprehend simple instructions, short correspondence and memos. The associate should also have the ability to effectively present information in one-on-one and small group situations to customers, clients, and other associates of the organization.

Mathematical Skills

Ability to add, subtract, multiply, and divide.

Reasoning Ability

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Must also have the ability to work in a face paced environment with low tolerance for error.

Computer Skills

To perform this job successfully, an individual must be computer proficient, with thorough knowledge automated underwriting systems, including Fannie Maeís Desktop Underwriter, Freddie Macís Loan Prospector, and Rural Developmentís Guaranteed Underwriting System.

 

All statements are intended to describe the general nature and levels of work assigned to the job and are not intended to be an exhaustive list of all responsibilities, duties and skills required for personnel classified within the category.  

 

 

Applicant Tracking System Powered by ClearCompany HRM Applicant Tracking System