Mortgage Underwriter II

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.

Need Help?

If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).

Regular or Temporary:
Regular

Language Fluency: English (Required)

Work Shift:
1st shift (United States of America)

Please review the following job description:

Underwriter is responsible for underwriting residential mortgage loans to ensure compliance with bank, investor and secondary market standards. Communicates with processor, originators and other internal and external customers. Meets performance standards and goals established by the bank. Approve acceptable loans within maximum conforming and/or non-conforming lending limits.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Perform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating all income type, calculating complex financial analysis, analyzing title reports and lien information, reviewing all financial statements, and reviewing all additional documentation prior to approval.


2. Ensure that all loan files are documented to meet portfolio and investor guidelines to ensure marketability and maintain quality standards.


3. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation; demonstrated expertise with two or more of the following categories preferred - GSE, Government, Portfolio - and/or expertise in government lending.


4. Loans to be adequately conditioned to meet Mortgage Lending products, policies, processes, and their required documentation.


5. Adhere to all compliance regulations and controls.


6. Conduct proactive and effective pipeline management to ensure that metrics are met.


7. Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors.


8. Cultivate relationships with peers as a peer mentor.


9. Lending authority will be granted based on experience and mastery of the certification program and/or demonstrated proficiency in underwriting mortgage loans.


QUALIFICATIONS

Required Qualifications:


The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


1. Minimum three years of mortgage loan underwriting experience; history of comparable lending authority limit.


2. Excellent Communication skills, both written and verbal, in relating to internal and external clients.


3. Demonstrates proficiency in basic computer applications, such as mortgage automated processing systems and Microsoft Office software products.


4. Bachelor's degree in business or related field, or equivalent education or related training


5. Ability to travel, occasionally overnight.


Preferred Qualifications:


1. Basic knowledge of bank services and products.


2. Direct Endorsement and Staff Appraisal Reviewer Certifications.


3. Familiarity with Automated Underwriting Systems (e.g. DU, LP, GUS)


4. FHA/VA/Bond Experience.


5. Jumbo, Wealth and Construction to Perm Experience.


General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.

EEO is the Law E-Verify IER Right to Work