Top 8 Mortgage underwriter Jobs in Birmingham Al

Staff Underwriter
Renasant Bank —Birmingham, AL
- Writing skills
- Basic math
- Mid-level
3d
Client Specialist
First Horizon Bank —Birmingham, AL
- Research
- Mid-level
- Office
- Wellness program
- Health savings account
Mortgage Loan Processor
Hope Enterprise Corporation —Birmingham, AL
- Full-time
- Hybrid work
- Customer service
- Word processing
- Mid-level
- Paid holidays
- Disability insurance
Quick Apply
Commercial Underwriter, Sr - CCL Renewal
First Horizon Bank —Birmingham, AL
- Office
- Microsoft Office
- 8 years
- Wellness program
- Health savings account
Internal Mortgage Loan Officer
Hope Enterprise Corporation —Birmingham, AL
- Full-time
- Hybrid work
- Research
- Mid-level
- Office
- Paid holidays
- Disability insurance
Quick Apply
7d
Birmingham, AL - Mortgage Loan Originator
Acrisure Mortgage, LLC —Birmingham, AL
- Full-time
- Background check
- Computer literacy
- Writing skills
Quick Apply

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Staff Underwriter

Renasant Bank -
Birmingham, AL

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Job Details

3 days ago

Qualifications

Customer communication
Automated underwriting system
Confidential information handling
High school diploma or GED
Typing

Full Job Description

Overview

The Staff Underwriter will be responsible for underwriting of conventional (Conforming and Non-Conforming) FHA, Rural Development, State Authority, and VA loans for Renasant Bank.

RENASANT BANK IS AN EQUAL OPPORTUNITY EMPLOYER

Responsibilities

Underwrite all above loans for retail branches and wholesale customers in all lending areas
Ability to underwrite conventional (conforming and non-conforming) FHA, Rural Development, State Authority, and VA loan files
Validate data integrity of documents of loans submitted versus data entry in AUS systems
Review appraisals of loans for acceptable collateral to meet investor and agency requirements. Follow company procedures on level of review required
For loans not eligible under program submitted, maintain knowledge of other programs to make recommendation for possible counter offer
Communicate with loan officer(s) and processor(s) on loan decision and document requirements via phone and/or email. Decisions other than approval should be communicated verbally
Verify data integrity within LOS and generate loan decision within LOS
Insure flood certification is received and correct data entered in LOS system
Order private mortgage insurance certificate of files as needed
Upload FHA appraisals to EAD portal and complete FHA appraisal logging in FHA Connection
Issue VA NOV’s through the VA portal after review of LSAM report provided by VA
Prepare credit package and submit to Rural Development office or State Housing Authority office for approval. Conditional commitment and State Housing Authority approval to be uploaded to imaging system with approval
Utilize any and all applicable tools, models, and resources available to aid in the decision making process (i.e., Fraudguard, Collateral Underwriter, etc.) and discern when more information is necessary (As applicable to specific loan program)
If jumbo underwriter, review and upload loan file and be liaison between investor and processor on items needed to clear/approve
Work with closing department to properly close loans with correct documents, conditions, and terms. Ensure documents requiring buyer/seller signature are provided to closer
Work with QC and post closing department to clear any additional conditions needed by internal auditor, agency, or investor
Stay current on all agency and investor guidelines. Sign up for updates for all agencies – FNMA, Freddie Mac, FHA, VA, USDA/RD, and state housing agency
Perform other related duties as assigned

Qualifications

High school diploma or equivalent required
Minimum of 3 years of underwriting experience or comparable experience deemed transferable, or minimum of 5 years of mortgage experience
Ability to make underwriting decisions with minimal supervision
Knowledge of DU, LP, GUS, and other investor automated systems
Meet tight deadlines and multi-task under pressure
Proficient in Microsoft Office products
Ability to type 40-50 wpm accurately
Knowledge of and aptitude in basic math
Ability to learn varied job assignments readily
Ability to communicate with the public in a courteous and professional manner

Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and /or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank’s professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and propriety information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations (i.e. robbery), detailed instructions and procedures are required to be followed at all times to safeguard the Bank’s employees, customers, and assets.

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. The principal duties and responsibilities enumerated are all essential job functions except for those that begin with the word “May”.

This job description is intended to describe the normal level of work required by the person performing the work. The principle duties outlined are the essential responsibilities and duties. Other duties may be assigned as needs arise. Job requirements and/or processes may be modified to reasonably accommodate persons with a disability as required by law.

This description is not intended as a contract and is subject to change. Any written contractual agreements supersede this job description.

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mortgage underwriter jobs in birmingham al

Staff Underwriter

Client Specialist

Mortgage Loan Processor

Commercial Underwriter, Sr - CCL Renewal

Internal Mortgage Loan Officer

Birmingham, AL - Mortgage Loan Originator

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