[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-261932-105":53,"doc-detail-261932-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","mortgage-underwriter-i-job-description","Mortgage Underwriter I - Job Description","","Mortgage Underwriter I responsibilities focus on evaluating residential mortgage loan applications for investor and portfolio compliance, consistent with internal policies and agency guidelines set by Fannie Mae and Freddie Mac. 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Our banking professionals receive paid training and ongoing education, opportunities for growth and advancement, great benefits, and use the latest in technology to help make the experience at Security Bank of Kansas City a pleasant one for our staff as well as our customers!\u003Cbr>Job Description:\u003Cbr>The basic function of the Mortgage Underwriter I position is the underwriting of Residential mortgage loans to meet investor and portfolio guidelines. A successful candidate is responsible for analyzing and rendering credit decisions on residential mortgage loan applications consistent with internal policies and investor guidelines as established by Fannie Mae and Freddie Mac.\u003Cbr>􀁸 Evaluate loan submissions for accuracy, completeness, and adherence to agency and investor guidelines\u003Cbr>􀁸 Calculate qualifying income including analyzing complex tax returns and financial statements\u003Cbr>􀁸 Review and approve appraisals\u003Cbr>􀁸 Analyze credit reports, income documentation, and asset statements\u003Cbr>􀁸 Determines whether additional verification or analysis is needed in cases where information, and or compliant documentation may be questionable\u003Cbr>􀁸 Makes credit decisions to accept, suspend, or decline loans or MI coverage.\u003Cbr>􀁸 Maintains positive business relationships with Investors and internal Sales and Fulfillment teams.\u003Cbr>􀁸 Communicate effectively and engages proactively with loan officers, processors, closers, and managers\u003Cbr>􀁸 Follows procedural guidelines regarding any special handling or notification during the underwriting process\u003Cbr>􀁸 Other duties as assigned. |  |\n| Required Knowledge, Skills & Abilities: | Those Required to Enter the Job\u003Cbr>􀁸 2+ years of recent experience as an Underwriter\u003Cbr>􀁸 Working knowledge of Underwriting Conventional Agency Loans\u003Cbr>􀁸 Current knowledge of Fannie/Freddie guidelines, standards, and practices regarding tax return analysis and appraisal review\u003Cbr>􀁸 Highly detailed and organized with ability to multi-task\u003Cbr>􀁸 High level of integrity and trust\u003Cbr>􀁸 Comprehension of FNMA, FHLMC and other investor guidelines\u003Cbr>􀁸 Experience with Automated Underwriting Systems\u003Cbr>􀁸 Must be able to work 40 hours per week and overtime as required\u003Cbr>􀁸 Must be dependable, self-motivated, and require minimal supervision\u003Cbr>􀁸 Must be able to work under pressure to meet Bank service standards\u003Cbr>􀁸 Must be able to organize, prioritize, and manage time to meet closing deadlines and Bank SLAs\u003Cbr>􀁸 Possess strong analytical skills\u003Cbr>􀁸 Mortgage Loan Processing: 3 years\u003Cbr>􀁸 Underwriting Assistant: 2 years\u003Cbr>􀁸 Good verbal communication skills as evidenced by the ability to interact both face-to-face and over the telephone with co-workers.\u003Cbr>􀁸 Demonstrated ability to use tact and diplomacy when dealing with customers and co-workers. |  |  |\n\n\n|  | 􀁸 MS Word and MS Excel knowledge is preferred.\u003Cbr>􀁸 Maintain a “professional” appearance.\u003Cbr>􀁸 Ability to manage multiple tasks in a fast-paced environment and assist with other co-workers as called for.\u003Cbr>􀁸 In addition to possessing the skills necessary to perform the job, the employee must be willing and able to demonstrate these skills by coming to work on a daily basis.\u003Cbr>Those required to Competently Perform the Job\u003Cbr>􀁸 2 years current knowledge of Fannie/Freddie guidelines, standards, and practices regarding tax return analysis and appraisal review\u003Cbr>Those Desired, but Not Required to Perform the Job\u003Cbr>􀁸 Operations Manager/Underwriter with 5 years underwriting experience with DE/SAR/LAPP certifications or is willing to obtain those through us in the next year. |  |  |\n| --- | --- | --- | --- |\n| Equipment Required to Perform the Job: |  | 􀁸 Telephone\u003Cbr>􀁸 Multi-line Telephone System\u003Cbr>􀁸 Voice mail system\u003Cbr>􀁸 Computer Monitor\u003Cbr>􀁸 Personal Computer\u003Cbr>􀁸 10 Key Calcu","cbCaisJobfRTOHpq","https://ap.wps.com/l/cbCaisJobfRTOHpq","pdf",90162,7,"English","# Essential Job Duties\n## Required Knowledge, Skills & Abilities\n## Equipment Required to Perform the Job\n## Software Requirements\n## Exertion/Physical Requirements\n## Other Information","[{\"question\":\"What is the core function of the Mortgage Underwriter I role?\",\"answer\":\"Underwriting residential mortgage loans to meet investor and portfolio guidelines, including analyzing applications and rendering credit decisions consistent with internal policies.\"},{\"question\":\"What major tasks are included in evaluating loan submissions?\",\"answer\":\"Review submissions for accuracy and completeness, calculate qualifying income from tax returns and financial statements, review and approve appraisals, analyze credit reports and asset statements, and determine when additional verification is needed.\"},{\"question\":\"What decisions can the underwriter make in this position?\",\"answer\":\"The underwriter makes credit decisions to accept, suspend, or decline loans or MI coverage, and communicates effectively with loan officers and other parties during underwriting.\"}]","Mortgage Underwriter I - Job Description | PDF",1789357615]