American National bank of Texas
Description
The Mortgage Underwriter evaluates loan applications by industry and business unit standards to support the extension of credit for residential and residential construction loans based on agency and investor guidelines. The individual gathers information to make sound credit decisions through automated scoring systems or traditional underwriting, using independent judgment and knowledge to ensure that the portfolio meets risk, regulatory, and quality standards. Responsibilities
Maintain primary responsibility for the accuracy and complete analysis of financial and credit information to support the extension of credit for residential and residential construction loans. Apply and maintain expert knowledge of product, regulatory, and risk mitigation criteria. Justify, document, and communicate loan decisions and risk levels. Complete reports related to Mortgage Loans, including credit bureau reporting and secondary market investor reports, under the direction of the Mortgage Operations Manager. Resolve title issues and survey irregularities as they arise. Assist customers in person, by telephone, mail, and online. Conduct audit and quality processes; report to management on timely responses to loan processing requests and related matters. Note: Position subject to SAFE Act registration requirements. Qualifications
Bachelor's Degree preferred. At least 3 years of residential Mortgage underwriting experience, demonstrating qualifying experience in a mortgage or financial institution; working knowledge of laws, regulations, policies, and procedures governing banking and residential real estate, including RESPA, TILA, ECOA, and HMDA requirements. Registration with the National Mortgage Licensing and Registry (NMLS) is required. FHA underwriting experience is preferred. Skills
Proficiency in MS Excel and Word; basic keyboarding and calculator skills; ability to perform simple math and follow written instructions. Occasional work exceeding 40 hours per week may be required. Ability to lift up to 30 lbs in an office setting. Note:
ANBTX encourages candidates fluent in English and Spanish to apply. Bilingual requirements will be specified in job postings as needed. Equal Opportunity Employer. This employer is committed to complying with federal employment laws. For more information, review the
Know Your Rights
notice from the Department of Labor.
#J-18808-Ljbffr
The Mortgage Underwriter evaluates loan applications by industry and business unit standards to support the extension of credit for residential and residential construction loans based on agency and investor guidelines. The individual gathers information to make sound credit decisions through automated scoring systems or traditional underwriting, using independent judgment and knowledge to ensure that the portfolio meets risk, regulatory, and quality standards. Responsibilities
Maintain primary responsibility for the accuracy and complete analysis of financial and credit information to support the extension of credit for residential and residential construction loans. Apply and maintain expert knowledge of product, regulatory, and risk mitigation criteria. Justify, document, and communicate loan decisions and risk levels. Complete reports related to Mortgage Loans, including credit bureau reporting and secondary market investor reports, under the direction of the Mortgage Operations Manager. Resolve title issues and survey irregularities as they arise. Assist customers in person, by telephone, mail, and online. Conduct audit and quality processes; report to management on timely responses to loan processing requests and related matters. Note: Position subject to SAFE Act registration requirements. Qualifications
Bachelor's Degree preferred. At least 3 years of residential Mortgage underwriting experience, demonstrating qualifying experience in a mortgage or financial institution; working knowledge of laws, regulations, policies, and procedures governing banking and residential real estate, including RESPA, TILA, ECOA, and HMDA requirements. Registration with the National Mortgage Licensing and Registry (NMLS) is required. FHA underwriting experience is preferred. Skills
Proficiency in MS Excel and Word; basic keyboarding and calculator skills; ability to perform simple math and follow written instructions. Occasional work exceeding 40 hours per week may be required. Ability to lift up to 30 lbs in an office setting. Note:
ANBTX encourages candidates fluent in English and Spanish to apply. Bilingual requirements will be specified in job postings as needed. Equal Opportunity Employer. This employer is committed to complying with federal employment laws. For more information, review the
Know Your Rights
notice from the Department of Labor.
#J-18808-Ljbffr