Mortgage Underwriter III

About Sunflower Bank – At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full‑service financial institution, we offer a full range of relationship‑focused services to meet personal, business, and wealth‑management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more at sunflowerbank.com. Position Summary – This full‑time Mortgage Underwriter III renders a final decision (e.g., approval, disapproval, approval with conditions) for mortgage loan applications in a timely, accurate and compliant manner. The role reviews loan applications based on capacity, credit history, capital, and collateral while ensuring compliance with company policy, investor guidelines, lending programs, and state and federal laws. Responsibilities Render a final underwriting decision (approved, suspended, denied) for mortgage loan applications based on capacity, credit history, capital and collateral. Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications and formulate approval conditions as appropriate. Verify that each loan file contains accurate, compliant and complete documentation, including appraisal review and decision. Answer questions from loan officers, loan processors and other personnel about underwriting rules and their application to specific loan applications. Perform necessary computer‑based functions for internal and external IT systems and conduct online research. Meet short deadlines related to underwriting and closing. Ensure compliance with company policy, investor guidelines, lending programs and applicable laws and regulations. Perform the job in accordance with industry laws, regulations, and company procedures. Education & Experience Preferred Graduation from a 4‑year college or university with a related major. 10+ years of underwriting experience or a combination of mortgage processing and underwriting. Conventional FNMA & FHLMC experience. FHA Direct Endorsement (DE) approved. Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR) experience. Preferred: minimum of two specialty areas such as Portfolio Lending, Construction One Time/Two Time Close, or Jumbo Non‑Conforming. USDA knowledge preferred. Knowledge of Construction One Time and Two Time Close underwriting. Knowledge of Jumbo Non‑Conforming Service Release underwriting. Knowledge of Down payment assistance programs. Proficiency in Microsoft Office Suite. Excellent verbal, written and interpersonal skills. Excellent organization and multi‑tasking skills. Ability to maintain confidentiality. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work‑related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Benefits Rooted in Strength – supported growth and opportunities. Individuals in a Great Whole – collaborative teamwork. Creating Possibility – focus on client and associate success. Community Focused – community involvement. 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company‑paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays If you qualify, apply online at EOE/AA: Minorities/Females/Disabled/Vets. Sunflower Bank, N.A. is an equal‑opportunity employer and all qualified applicants will receive consideration for employment without regard to protected characteristics. We accept applications on an ongoing basis until the role is filled. If you are a California resident, you may be entitled to certain rights regarding your personal information. For additional information on our data collection practices and location‑specific notices, see our privacy policy. #J-18808-Ljbffr