River Run

• Evaluates and makes decisions on complex residential and consumer loan applications, applying expert knowledge of portfolio and investor guidelines, internal policies, and regulatory requirements. • Exercises advanced credit judgment to balance risk management with sound lending decisions while providing support to internal team members throughout the loan process. • Serve as a resource for junior underwriters and lending staff by providing mentorship, training, and second-level reviews as needed. • Review and underwrite mortgage and consumer loan applications, including complex transactions, within delegated authority and analyze credit, income, assets, appraisals, title work, and supporting documentation to determine loan eligibility. • Ensure compliance with internal lending policies, investor and Government-Sponsored Enterprise (GSE) guidelines, applicable federal and state regulations, bank policies, and Bank Secrecy Act (BSA) requirements; including verifying transactions and account balances, and all related consumer regulatory requirements. • Issue loan approvals, suspensions, or denials with clear supporting conditions or reasons. • Maintain current knowledge of underwriting guidelines, regulatory requirements, and industry trends to support sound lending decisions and risk management. • Collaborate with loan officers, processors, and other team members to resolve underwriting issues and ensure timely loan decisions and maintain accurate, complete, and audit-ready loan documentation. • Respond to internal and external audits and quality control reviews by providing required documentation and information. • Support continuous improvement of underwriting processes by identifying opportunities to enhance efficiency and effectiveness. • Promote a strong risk and compliance culture by following policies, identifying potential issues, and supporting consistent risk mitigation practices. • Stay current on Bank products, services, policies, procedures, and regulatory requirements through ongoing training and application in daily work.