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Job: Senior Mortgage Underwriter / Direct Endorsement Underwriter Job, First Citizens Bank, Columbia, SC
Senior Mortgage Underwriter / Direct Endorsement Underwriter Job
Columbia, SC 29201 United States
South Carolina, South Carolina
Real Estate/ Mortgage
Senior Mortgage Underwriter / Direct Endorsement Underwriter
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Job ID #:
Mortgage - Operations
High School Diploma
Days and Hours:
Monday - Friday
1314 Park Street, Columbia, SC 29201
To underwrite conventional and jumbo mortgage loans including USDA Rural Housing, purchase and refinance transactions. The Senior Underwriter is responsible for underwriting construction loan requests. Automated Underwriting Systems (AUS) will be used for full or partial underwriting with product and investor specific guidelines applied outside the AUS. Loans underwritten may have multiple sources of income requiring self-employed borrower tax return analysis skills. Loan applicants may have nontraditional or alternative credit. The loan structure may include one or more layers of secondary financing including community seconds, grants, or secondary liens including equity lines and loans. The Senior Underwriter uses their experience and training to look for alternative structures to make the loan work in consultation with managers and investor underwriters. The Senior Underwriter has the responsibility to protect the Bank from fraud, misrepresentation, and default and for ensuring the salability of the loan to the selected investor under the specified loan program. The Senior Underwriter will typically work with a Mortgage Processor I and II for processing and serve as a resource to the Underwriter I and II position.
Bachelor degree with a minimum of 3 years experience underwriting mortgage loans.
High school diploma or GED with a minimum of 7 years experience underwriting mortgage loans.
Must have good communication skills to serve as a liaison between the Mortgage Banker and the customer.
Must be well organized and detail oriented.
Complete training and certification as directed.
Other Preferred Qualifications:
Prefer processing experience.
First Citizens Bank is an equal opportunity employer that does not discriminate against applicants on the bases of race, color, religion, national origin, sex, age, disability, veteran or military status, sexual orientation, gender identity, genetic information, or any other legally protected status.
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