KeyBank
Pay $32.69 - $49.52 / hour
Location Brooklyn/Ohio
Employment type Full-Time
Job Description Req#: R-35153 Location:
4910 Tiedeman Road - Brooklyn, Ohio 44144 Job Summary
The Mortgage Senior Underwriter is responsible for reviewing, analyzing, and approving residential loan applications. This role involves verifying income, assets, credit, and collateral documents, including self-employed personal and business tax returns. The Mortgage Senior Underwriter may handle various types of mortgage lending (agency conventional, portfolio conventional, FHA/VA MI, etc.) and support other underwriters on complex loan submissions. Lending authority includes conventional, government, and jumbo loan programs up to a targeted dollar amount. Excellent phone and communication skills and a commitment to superior customer service are essential.
Essential Functions
Evaluate the creditworthiness of borrowers and render credit decisions.
Ensure loans meet corporate credit policy and comply with ATR and Qualified Mortgage provisions.
Ensure compliance with company and Agency/Investor/FHA/VA guidelines.
Review transmittal & 1003 for accuracy and completeness.
Compare credit reports to liabilities on 1003 and verify investor guidelines for derogatory items.
Calculate income/self-employed cash flow using required documentation and methodology.
Analyze business financial strength and review assets for adequate funds and reserves.
Review appraisals for accuracy and collateral acceptability.
Ensure state and federal regulatory guidelines are met.
Verify rate lock matches underwriting file with correct program details.
Communicate effectively with mortgage loan officers, processors, and other stakeholders.
Assist in training of employees on credit considerations for home lending products
Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree or equivalent experience (preferred)
Work Experience
5+ years recent Mortgage Underwriting Experience (FHA, VA, and Conventional) with strong agency guideline knowledge. (preferred)
Experience with USDA (preferred)
Licenses and Certifications
DE, SAR, and LAPP certifications (preferred)
Skills
Evaluating and approving mortgage loan applications based on borrowers' creditworthiness, financial stability, and compliance with lending guidelines. Strong working knowledge of Ability to Repay (ATR) and Qualified Mortgage (QM) requirements.
Having in-depth knowledge of various mortgage products, including conventional, FHA, VA, and jumbo loans, and understanding their specific requirements and guidelines.
Proven knowledge of Mortgage Insurance guidelines and rates.
Strong analytical skills with a focus on accuracy, consistency, and completeness.
Ability to work in a fast-paced, fluid environment and meet minimum production standards.
High integrity and outstanding work ethic.
Strong computer skills; proficient in Microsoft Word, Excel, and Outlook.
Proficient written and verbal communication skills.
Proven knowledge of compliance and disclosure requirements related to the Home Lending industry.
Proven knowledge of closing, post-closing, and quality control responsibilities.
Carefully reviewing loan applications, financial statements, and supporting documents to ensure accuracy and compliance with regulations
Making informed and timely decisions regarding loan approvals or denials based on thorough analysis and risk assessment
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
COMPENSATION AND BENEFITS
This position is eligible to earn a base hourly rate in the range of $32.69 - $49.52 per hour. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes incentive compensation subject to individual and company performance.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 10/22/2025
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.
Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
About the company KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland and is the only major bank based in Cleveland. KeyBank is 25th on the list of largest banks in the United States. Key's customer base spans retail, small business, corporate, and investment clients.
Notice Talentify is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.
Talentify provides reasonable accommodations to qualified applicants with disabilities, including disabled veterans. Request assistance at accessibility@talentify.io or 407-000-0000.
Federal law requires every new hire to complete Form I-9 and present proof of identity and U.S. work eligibility.
An Automated Employment Decision Tool (AEDT) will score your job-related skills and responses. Bias-audit & data-use details: www.talentify.io/bias-audit-report . NYC applicants may request an alternative process or accommodation at aedt@talentify.io or 407-000-0000.
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Location Brooklyn/Ohio
Employment type Full-Time
Job Description Req#: R-35153 Location:
4910 Tiedeman Road - Brooklyn, Ohio 44144 Job Summary
The Mortgage Senior Underwriter is responsible for reviewing, analyzing, and approving residential loan applications. This role involves verifying income, assets, credit, and collateral documents, including self-employed personal and business tax returns. The Mortgage Senior Underwriter may handle various types of mortgage lending (agency conventional, portfolio conventional, FHA/VA MI, etc.) and support other underwriters on complex loan submissions. Lending authority includes conventional, government, and jumbo loan programs up to a targeted dollar amount. Excellent phone and communication skills and a commitment to superior customer service are essential.
Essential Functions
Evaluate the creditworthiness of borrowers and render credit decisions.
Ensure loans meet corporate credit policy and comply with ATR and Qualified Mortgage provisions.
Ensure compliance with company and Agency/Investor/FHA/VA guidelines.
Review transmittal & 1003 for accuracy and completeness.
Compare credit reports to liabilities on 1003 and verify investor guidelines for derogatory items.
Calculate income/self-employed cash flow using required documentation and methodology.
Analyze business financial strength and review assets for adequate funds and reserves.
Review appraisals for accuracy and collateral acceptability.
Ensure state and federal regulatory guidelines are met.
Verify rate lock matches underwriting file with correct program details.
Communicate effectively with mortgage loan officers, processors, and other stakeholders.
Assist in training of employees on credit considerations for home lending products
Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree or equivalent experience (preferred)
Work Experience
5+ years recent Mortgage Underwriting Experience (FHA, VA, and Conventional) with strong agency guideline knowledge. (preferred)
Experience with USDA (preferred)
Licenses and Certifications
DE, SAR, and LAPP certifications (preferred)
Skills
Evaluating and approving mortgage loan applications based on borrowers' creditworthiness, financial stability, and compliance with lending guidelines. Strong working knowledge of Ability to Repay (ATR) and Qualified Mortgage (QM) requirements.
Having in-depth knowledge of various mortgage products, including conventional, FHA, VA, and jumbo loans, and understanding their specific requirements and guidelines.
Proven knowledge of Mortgage Insurance guidelines and rates.
Strong analytical skills with a focus on accuracy, consistency, and completeness.
Ability to work in a fast-paced, fluid environment and meet minimum production standards.
High integrity and outstanding work ethic.
Strong computer skills; proficient in Microsoft Word, Excel, and Outlook.
Proficient written and verbal communication skills.
Proven knowledge of compliance and disclosure requirements related to the Home Lending industry.
Proven knowledge of closing, post-closing, and quality control responsibilities.
Carefully reviewing loan applications, financial statements, and supporting documents to ensure accuracy and compliance with regulations
Making informed and timely decisions regarding loan approvals or denials based on thorough analysis and risk assessment
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
COMPENSATION AND BENEFITS
This position is eligible to earn a base hourly rate in the range of $32.69 - $49.52 per hour. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes incentive compensation subject to individual and company performance.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 10/22/2025
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.
Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
About the company KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland and is the only major bank based in Cleveland. KeyBank is 25th on the list of largest banks in the United States. Key's customer base spans retail, small business, corporate, and investment clients.
Notice Talentify is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.
Talentify provides reasonable accommodations to qualified applicants with disabilities, including disabled veterans. Request assistance at accessibility@talentify.io or 407-000-0000.
Federal law requires every new hire to complete Form I-9 and present proof of identity and U.S. work eligibility.
An Automated Employment Decision Tool (AEDT) will score your job-related skills and responses. Bias-audit & data-use details: www.talentify.io/bias-audit-report . NYC applicants may request an alternative process or accommodation at aedt@talentify.io or 407-000-0000.
#J-18808-Ljbffr