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Underwriter III (Republic Bank)
Ref No.: 16-07659
Location: Blue Ash, Ohio
POSITION PURPOSE AND OBJECTIVES:
The Underwriter III is responsible for reviewing and evaluating mortgage loan files, to determine if the borrowers, property and loan conditions meet the established guidelines of the bank and its investors. This position has exception authority provided the DTI doesn't exceed 43% of the published lending authority chart.
MINIMUM QUALIFICATIONS:
  • High school diploma or equivalent required; Bachelor's degree or relevant experience preferred.
  • Minimum of 5 years mortgage underwriting experience required.
  • 2 year FHA – Direct Endorsement (DE) certification preferred.
  • VA – LAPP approved preferred.
  • Working knowledge of Loan Prospector, and DU.
  • Proficiency in Microsoft Office products and internet applications.
ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES:
  • Pre-qualify loan applicants in accordance with all applicable guidelines. This includes FHLMC/Client and/or government policies and procedures in all secondary market and bank level loan products.
  • Provides a second review of all denied residential loans.
  • Insure application packages are complete before forwarding to processing area.
  • Work as a liaison between our lenders and processing to correct deficiencies in pending files.
  • Must be knowledgeable of all loan programs offered & requirements of those programs. Work with the lenders in the banking centers to further their knowledge of secondary market & portfolio guidelines.
  • Effectively communicate with branch personnel, loan officers, originators and centralized loan personnel.
  • Be an expert resource for lender inquiries.
  • Willingly performs other duties and projects as assigned.
INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED:
  • Excellent verbal and written communication skills.
  • Must be self-motivated and work well in a team environment.
  • Requires a high energy level and strong sense of urgency.
  • Highly detail oriented and able to maintain high levels of accuracy.
PHYSICAL REQUIREMENTS:
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the associate is regularly required to sit, talk, hear and use hands to finger, handle, or feel objects, tools, or controls. The associate is occasionally required to stand and walk. The associate occasionally may lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. The noise level in the work environment is usually moderate.
OTHER REQUIREMENTS:
  • Travel between Republic Banking facilities may be required.
  • Stay abreast of new developments, best practices, and statutory and regulatory changes.
  • Flexible work schedule that will include some evenings and weekend work.

**The above is intended to describe the general content of and requirements for the performance of this position. It is not construed as an exhaustive statement of duties, responsibilities or requirements.
Job Location
Blue Ash, Ohio, United States
Position Type
Full-Time/Regular

ControlID: 14.234.89 SHR