Senior Mortgage Underwriting Officer - RJ Bank

Overview Senior Mortgage Underwriting Officer - RJ Bank at Raymond James. This role leads underwriting of residential and consumer lending applications, ensures excellent customer service, profitable loans, and adherence to underwriting guidelines. Responsibilities Underwrites credit packages and makes loan decisions for residential and consumer lending applications up to the loan amount authority established by the Board of Directors. Underwrites credit packages and prepares recommendations for presentation to Loan Committee, ensuring compliance with Raymond James Bank, State, Federal and agency/investor guidelines. Reviews and analyzes real estate appraisals for acceptance in residential loan transactions. Maintains knowledge of Raymond James Bank loan programs and secondary market investors’ underwriting/documentation requirements. Interacts professionally with clients, associates and Financial Advisors to provide professional customer service. Obtains, prepares, and reviews documents for origination and processing phases of residential loans. Coordinates the approval of underwriting conditions and reviews the file prior to closing. Analyzes tax returns and financial statements, and reviews Title Commitments. Uses independent judgment with minimal supervision; serves as an initial referral point for other underwriters. Communicates with correspondent lenders regarding guideline exceptions and with Mortgage Insurance company liaisons to approve high loan-to-value loans. May interact with Lending Manager(s) on due diligence for files purchased on the secondary market. Assists with process improvements, efficiency, and cost-saving measures in department workflows. Onboards new associates, provides coaching and leadership to team members, and keeps management apprised of personnel and workflow developments. Performs other duties as assigned. Knowledge Of FNMA and FHLMC underwriting guidelines, federal/state lending laws, and portfolio residential lending. FNMA Desktop Underwriting. FHA underwriting. Skill In Data analysis and critical thinking Problem solving, creativity, and attention to detail Effective oral and written communication about mortgage loan products and processes Word processing, spreadsheets, and basic documentation skills Ability To Conduct analysis including basic math with decimals and fractions Research and analyze financial statements and complex tax returns, and prepare reports of financial position and creditworthiness Education Bachelor’s: Business Administration, Bachelor’s: Finance Work Experience General Experience - 3 to 6 years Certifications Travel Less than 25% Workstyle Remote At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. We Expect Our Associates At All Levels To Grow professionally and inspire others to do the same Work with and through others to achieve desired outcomes Make prompt, pragmatic choices and act with the client in mind Take ownership and hold themselves and others accountable for delivering results that matter Contribute to the continuous evolution of the firm Seniority level Mid-Senior level Employment type Full-time Job function Finance and Sales We’re not posting additional details here; referrals increase interview chances. #J-18808-Ljbffr Raymond James