Mortgage Underwriter Remote Jobs in Kentucky (US)
This page tracks remote mortgage underwriter openings that are location-eligible for Kentucky.
This page tracks remote mortgage underwriter openings that are location-eligible for Kentucky.
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First Citizens Bank offers a full line of financial services and focuses on individuals, as well as small to medium-sized businesses. As an employer, the compan
Role Description This is a remote role that may only be hired in South Carolina. This position assesses the Bank's financial risk on potential borrowers applying for mortgage loans at a high level of complexity and ability. Analyzes borrower applications to determine appropriate loan structuring, potential risk, and loan eligibility, and makes the decision to accept or reject based on review. Ensures the salability of the loan to the selected investor under the specified loan program. Provides support for loan closing activities and clients while protecting the Bank from fraud, misrepresentation, and default. Responsible to meet production and quality expectations. Responsibilities - Loan Underwriting: Documents and underwrites mortgage loans products. Gathers and reviews information pertaining to the applicant's income, assets, debts, and credit history to determine ability to repay the mortgage loan. Applies product and investor specific underwriting and documentation guidelines. Utilizes underwriting results to either approve or decline the loan. - Application Review: Reviews new applications for completeness and inclusion of necessary documentation. Determines eligibility of the loan for the selected product and investor, or more appropriate alternatives. Ensures accuracy and acceptance of income, asset, debt calculations and credit history. Seeks resolution for any identified discrepancies. - Operations Support: Manages a pipeline of active mortgage loans. Prioritizes loan actions based on projected closing dates and ensures loans close in a timely manner. Works with loan processor to meet expected closing dates for the customer. - Client Support: Provides client support throughout the underwriting process. Utilizes available resources to answer questions and develop alternatives. Remains abreast of investor loan programs, guidelines, policies and procedures to better assist clients. May provide guidance for associates on escalated or complex client inquiries. Qualifications - Bachelor's Degree and 3 years of experience in Mortgage loan underwriting OR High School Diploma or GED and 7 years of experience in Mortgage loan underwriting Benefits - Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits .
Helping you prosper. Rated One of the Best Places to Work, Top 5 Best Banks in America(Forbes), Best Big Bank(Newsweek).
• Analyze, evaluate and approve or decline loan files for credit worthiness and compliance with all applicable guidelines and policies. • Review and validate the calculations submitted by the process. • Validate income used is calculated correctly. • Validate income used is acceptable. • Validate asset value calculations. • Collaborate with the processor prior to underwriting on loan files with difficult characteristics. • Provide feedback and guidance to processors and other underwriters to ensure continual learning.
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