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Overview
The Staff Underwriter will be responsible for underwriting of conventional (Conforming and Non-Conforming) FHA, Rural Development, State Authority, and VA loans for Renasant Bank.
RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER
Responsibilities
- Underwrite all above loans for retail branches and wholesale customers in all lending areas
- Ability to underwrite conventional (conforming and non-conforming) FHA, Rural Development, State Authority, and VA loan files
- Validate data integrity of documents of loans submitted versus data entry in AUS systems
- Review appraisals of loans for acceptable collateral to meet investor and agency requirements. Follow company procedures on level of review required
- For loans not eligible under program submitted, maintain knowledge of other programs to make recommendation for possible counter offer
- Communicate with loan officer(s) and processor(s) on loan decision and document requirements via phone and/or email. Decisions other than approval should be communicated verbally
- Verify data integrity within LOS and generate loan decision within LOS
- Insure flood certification is received and correct data entered in LOS system
- Order private mortgage insurance certificate of files as needed
- Upload FHA appraisals to EAD portal and complete FHA appraisal logging in FHA Connection
- Issue VA NOV’s through the VA portal after review of LSAM report provided by VA
- Prepare credit package and submit to Rural Development office or State Housing Authority office for approval. Conditional commitment and State Housing Authority approval to be uploaded to imaging system with approval
- Utilize any and all applicable tools, models, and resources available to aid in the decision making process (i.e., Fraudguard, Collateral Underwriter, etc.) and discern when more information is necessary (As applicable to specific loan program)
- If jumbo underwriter, review and upload loan file and be liaison between investor and processor on items needed to clear/approve
- Work with closing department to properly close loans with correct documents, conditions, and terms. Ensure documents requiring buyer/seller signature are provided to closer
- Work with QC and post closing department to clear any additional conditions needed by internal auditor, agency, or investor
- Stay current on all agency and investor guidelines. Sign up for updates for all agencies – FNMA, Freddie Mac, FHA, VA, USDA/RD, and state housing agency
- Perform other related duties as assigned
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Qualifications
- High school diploma or equivalent required
- Minimum of 3 years of underwriting experience or comparable experience deemed transferable, or minimum of 5 years of mortgage experience
- Ability to make underwriting decisions with minimal supervision
- Knowledge of DU, LP, GUS, and other investor automated systems
- Meet tight deadlines and multi-task under pressure
- Proficient in Microsoft Office products
- Ability to type 40-50 wpm accurately
- Knowledge of and aptitude in basic math
- Ability to learn varied job assignments readily
- Ability to communicate with the public in a courteous and professional manner
Physical Demands
The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.
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Work Environment
The Bank’s professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank’s employees, customers, and assets.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word “May”.
This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.
This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.
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