Fifth Third Bank
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Overview General Functions: Performs a wide range of duties related to underwriting consumer bank initiated residential real estate requests across multiple states. Render an underwriting decision within the bank's credit guidelines while ensuring compliance with federal lending regulations.
Responsibilities
Analyze consumer credit reports for consumer lending real estate applications to evaluate risk and make appropriate credit decisions for Direct Lending across multiple states, markets or geographic regions.
Manage application pipeline to meet business objectives and stated Service Level Agreements.
Ensure completeness and accuracy of real estate credit applications.
Ensure HMDA purpose codes are accurate before rendering a final decision.
Evaluate customer-provided credit documents to support credit decisions, including calculation of income, personal financial statement reviews, and trust reviews.
Place orders for bank-obtained credit documents in accordance with real estate policy guidelines, and partner with retail and borrower to clear conditions related to property reports, appraisals, and flood certifications.
Formulate and communicate credit decisions (approve, decline or counteroffer) in compliance with underwriting guidelines, compliance and regulatory requirements.
Demonstrate understanding of the credit exception process, identifying opportunities and compensating factors for the exception team.
Review credit applications and recommend decisions on applications over assigned authority to manager or senior underwriters for review before final communication.
Partner with Mortgage Line of Business to underwrite simultaneous first and second lien real estate loan requests, as appropriate.
Develop business relationships with internal customers across multiple states to achieve mutual goals.
Demonstrate teamwork and provide superior customer service; be flexible and approachable.
Qualifications
Must live within 30 miles of Cincinnati or Grand Rapids.
College degree in Business or Finance or equivalent work experience.
Minimum 3 years of consumer lending or related industry experience.
Knowledge and understanding of basic financial analysis techniques.
Strong interpersonal, written and verbal communication skills.
Ability to make high-quality decisions and execute in a time-sensitive manner.
Ability to handle multiple tasks and meet deadlines in a fast-paced environment.
Ability to interact with Vice Presidents; build consensus and motivate others.
Strong analytical and organizational skills.
Requires S.A.F.E. Act registration at time of employment through NMLS. The company will assist with the registration process. See NMLS MU4R requirements for employment in this position.
Compensation & Benefits RCC Equity Underwriter I — Total Base Pay Range: 47,100.00 – 94,200.00 USD annually. Base salary is dependent on role, experience, education, and location. Eligible for incentive compensation based on company, line of business, and/or individual performance. Our benefits programs support physical, financial, emotional and social well-being. Learn more on our careers page.
Location Virtual, Ohio 00000
EEO Statement Fifth Third Bank, National Association is an equal employment opportunity employer. We do not discriminate on the basis of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Notes All unsolicited resumes from search firms and staffing agencies are not accepted without a prior active agreement with Fifth Third. This posting is subject to change and may be removed at any time.
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Overview General Functions: Performs a wide range of duties related to underwriting consumer bank initiated residential real estate requests across multiple states. Render an underwriting decision within the bank's credit guidelines while ensuring compliance with federal lending regulations.
Responsibilities
Analyze consumer credit reports for consumer lending real estate applications to evaluate risk and make appropriate credit decisions for Direct Lending across multiple states, markets or geographic regions.
Manage application pipeline to meet business objectives and stated Service Level Agreements.
Ensure completeness and accuracy of real estate credit applications.
Ensure HMDA purpose codes are accurate before rendering a final decision.
Evaluate customer-provided credit documents to support credit decisions, including calculation of income, personal financial statement reviews, and trust reviews.
Place orders for bank-obtained credit documents in accordance with real estate policy guidelines, and partner with retail and borrower to clear conditions related to property reports, appraisals, and flood certifications.
Formulate and communicate credit decisions (approve, decline or counteroffer) in compliance with underwriting guidelines, compliance and regulatory requirements.
Demonstrate understanding of the credit exception process, identifying opportunities and compensating factors for the exception team.
Review credit applications and recommend decisions on applications over assigned authority to manager or senior underwriters for review before final communication.
Partner with Mortgage Line of Business to underwrite simultaneous first and second lien real estate loan requests, as appropriate.
Develop business relationships with internal customers across multiple states to achieve mutual goals.
Demonstrate teamwork and provide superior customer service; be flexible and approachable.
Qualifications
Must live within 30 miles of Cincinnati or Grand Rapids.
College degree in Business or Finance or equivalent work experience.
Minimum 3 years of consumer lending or related industry experience.
Knowledge and understanding of basic financial analysis techniques.
Strong interpersonal, written and verbal communication skills.
Ability to make high-quality decisions and execute in a time-sensitive manner.
Ability to handle multiple tasks and meet deadlines in a fast-paced environment.
Ability to interact with Vice Presidents; build consensus and motivate others.
Strong analytical and organizational skills.
Requires S.A.F.E. Act registration at time of employment through NMLS. The company will assist with the registration process. See NMLS MU4R requirements for employment in this position.
Compensation & Benefits RCC Equity Underwriter I — Total Base Pay Range: 47,100.00 – 94,200.00 USD annually. Base salary is dependent on role, experience, education, and location. Eligible for incentive compensation based on company, line of business, and/or individual performance. Our benefits programs support physical, financial, emotional and social well-being. Learn more on our careers page.
Location Virtual, Ohio 00000
EEO Statement Fifth Third Bank, National Association is an equal employment opportunity employer. We do not discriminate on the basis of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Notes All unsolicited resumes from search firms and staffing agencies are not accepted without a prior active agreement with Fifth Third. This posting is subject to change and may be removed at any time.
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