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Mortgage Underwriter – Laurel Road National Digital Bank in New Haven , Connecticut Sr. Mortgage Underwriter – Laurel Road National Digital BankinNew Haven, CTatKeyBank Date Posted: 3/31/2021 Job Snapshot Employee Type: Full-Time Date Posted: 3/31/2021 About Us Headquartered in Cleveland, Ohio, KeyCorp (Key) is one of the nation s largest financial services companies. Key provides investment management, retail and commercial banking, consumer finance and investment banking products to individuals and companies throughout the United States and, for certain businesses, internationally.
Our goal is to be the best regional bank in the U.S. What that means is we put our clients needs first and take a customized approach to meeting those needs.
At Key we ve made a promise to our clients that they will always have a champion in us. To deliver on that promise, we re committed to building a team of engaged employees who do the right thing for our clients and help them achieve their financial goals each and every day. Job Description Laurel Road, a brand of Key Bank, is part of the expanding FinTech space.
We offer Mortgages, Student Loans, and Personal Loans as well as traditional banking products through a digital online experience, https://www.laurelroad.com .
Be a part of our exciting, fast growing digital bank, where innovative technology, tailored products, and a commitment to white glove service provides our customers with peace of mind, savings and convenience. ABOUT THE JOB (JOB BRIEF) The Senior Underwriter is responsible for underwriting loans in accordance with Company and Investor guidelines following company s policies and procedures under general supervision. In addition, this position makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements.
ESSENTIAL JOB FUNCTIONS Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. Applies and interprets company underwriting guidelines and makes sound credit decision.
Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs.
Determines any conditions, stipulations or pre-funding requirements. Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise.
Assists departmental support staff when necessary. Resolves and responds to post closing credit exceptions received from investors and auditors when required on loans underwritten. Maintains ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position.
Completes second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed. Adheres to compliance procedures and internal/operational risk controls in accordance with any and all applicable regulatory standards, requirements, and policies. REQUIRED QUALIFICATIONS Education/Certifications: Highschool diploma or equivalent work experience 5 or more years mortgage underwriting experience Paperless Loan Origination System experience FHA Direct Endorsement designation and/or VA SAR designation highly preferred Experience: Strong knowledge of residential mortgage underwriting and secondary market guidelines.
Strong knowledge of Automated Underwriting Systems such as DU/DO and LP. Expertise in interpreting underwriting guidelines, analyzing risk, and communicating with customers and associates. Strong analytical and problem-solving skills, with ability to clearly support a recommendation.
Exceptional ability to articulate complex scenarios in written format and create detailed loan-level analyses based on mortgage supporting documentation. Excellent written communication skills with attention to detail. Ability to work accurately and efficiently in face-paced environment and to maintain production requirements while adhering to quality and service standards.
Superior computer skills in internet research, Adobe Acrobat, and Microsoft Word, Excel, and Outlook. Exceptional ability to articulate complex scenarios in written format and create detailed loan-level analyses based on mortgage supporting documentation. Capacity to work both independently and with a team and to transition easily between different projects This position would ideally be located in the Laurel Road office in Bridgeport, CT but may be located at another Laurel Road/Key Bank location.
Additionally, if the final candidate does not reside in a city with a Laurel Road/Key Bank location, then they may be a fulltime remote employee. This position is eligible to earn a base salary in the range of $65,000 to $80,000 annually depending on job-related factors such as level of experience. Compensation for this role also includeseligibility forshort-term incentive compensation and deferred incentive compensation subject to individual and company performance.
Please clickhere (https://www.key.com/kco/images/Key_Benefit_Eligibility_Chart.
pdf) for a list of benefits for which this position is eligible. FLSA STATUS: Non-Exempt KeyCorp is an Equal Opportunity and Affirmative Action Employer Min/Fem/Vet/Disabled Sign up for our Job Alerts & we’ll notify you of new openings each week Our mission is to simplify the military transition experience using education and employment tools and resources to guide you to a successful career. © 2001– 2021 G.
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