Mortgage Underwriter 2 - Pittsburgh, PA

Position Title: Mortgage Underwriter 2 Business Unit: Credit Reports to: Supervisor of Mortgage Underwriting Position Overview This role is primarily responsible for underwriting and approving residential mortgage loan applications and reviewing declinations. The incumbent ensures proper documentation ordering to minimize risk, plays a key role in acquiring loan assets using sound risk management practices, and supports long‑term company goals. Primary Responsibilities Review individual loan applications according to product guidelines, evaluate risk, determine acceptance, and consider credit information such as repayment capacity, collateral valuations, credit histories, banking relationships, and regulatory impacts. Verify all application data for accuracy and completeness by validating loan information against submitted documentation. Ensure compliance with corporation policies and underwriting procedures. Perform income analysis to calculate wages or self‑employed income using appropriate guidelines or regulatory criteria. Review appraisal reports for accuracy, completeness, and compliance with HUD, VA, or USDA standards. Complete required government forms such as VA Notice of Value, FHA Conditional Commitment, etc. Resolve deficiencies and, when necessary, escalates issues to agencies for resolution. Comply with regulations that govern approvals and declinations, notifying MLOs and processing partners within required time frames. Ensure HMDA data accuracy and provide FCRA/ECOA decision reasons for adverse actions. Underwrite loan applications according to GSE, government agency, secondary market, or portfolio guidelines, maintaining a clear understanding of all product guidelines. Advise loan originators on proper structuring to qualify programs or offer suitable counter‑offers. Approve loans up to the designated authority level, escalading higher authority approvals as required. Underwrite conventional, FHA, VA, USDA, CRA, and employee loan products. Attend yearly training seminars and web‑X training on fraud detection, appraisal reports, and applicable underwriting standards. Identify secondary market executions in line with the company’s best execution strategy. Perform related duties and projects as assigned. Minimum Education High School or GED. Minimum Experience Five (5) years of job‑related experience. Skills Required Excellent project management skills. Excellent written and verbal communication skills. Excellent organizational, analytical, and interpersonal skills. Proficiency with general office equipment. Proficiency with personal computers and job‑related software. MS Word – Basic Level. MS Excel – Intermediate Level. MS PowerPoint – Basic Level. Proficiency with industry‑related software such as Desktop Underwriter, Loan Prospector, Clout, Zippy, eMagic, RMIC, MortgageBot, EasyLender, etc. (preferred). Licenses/Certifications Must hold at least one government certification (e.g., FHA CHUMS number or VA SAR designation). Physical Requirements N/A. Equal Employment Opportunity (EEO) F.N.B. Corporation (FNB) and its affiliates do not discriminate against employees or applicants for age, race, color, religion, sex, national origin, disability, veteran status, or any other protected category. FNB employs and advances all persons regardless of disability or veteran status and bases all employment decisions on valid job requirements. FNB provides a discrimination- and harassment‑free workplace. Visa Sponsorship FNB will not provide sponsorship for employment‑based visas; only candidates legally authorized to work in the U.S. will be considered. #J-18808-Ljbffr First National Bank