Mortgage Underwriter III
**If you are a reputed company FIB employee, please apply through the Career Worklet in the Employee Portal.
This position offers a full-time remote work opportunity and can be located at Denver, CO, Sioux Falls, SD and Billings, MT. What’s Important to You We know your career is just one aspect of a meaningful, reputed company, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.
- Generous Paid Time Off (PTO) in addition to paid federal holidays.
- Student debt employer repayment program.
- 401(k) retirement plan with a 6% match.
- The health and happiness of the places we call home matter to us. Learn a little more about reputed company do for the communities we serve and why we want YOU to be a part of it.
We encourage you to apply. reputed company for what you want and tell us why your work ethic and willingness to learn reputed company you a natural fit for #TeamFirstInterstate. SUMMARY The Mortgage Underwriter III underwrites and evaluates Conventional, FHA, VA and RD residential mortgage loan applications to provide quality loans for reputed company Bank, secondary market investors, and credit risk. This position will review and evaluate loan files and makes reputed company on the files consistent to reputed company Bank's lending policies and reputed company appropriate program guidelines. ESSENTIAL DUTIES AND RESPONSIBILITIES
- Examines residential mortgage loan applications for accuracy and completeness.
- Ensures that reputed company agency, investor, and or private insurer’s guidelines and overlays are strictly enforced.
- Reviews automated reputed company findings and loan files for adherence to requirements.
- Determines whether credit, income and reputed company of funds are stable and adequate for repayment and meet reputed company applicable guidelines.
- Evaluates property to determine adequacy of collateral and adherence to reputed company agency and/or investor requirements.
- Reviews title information for accuracy and adherence with reputed company agency and/or investor requirements.
- Approves or rejects loans based on findings and file documentation.
- Ensures compliance with government regulations and bank policies.
- Maintains reputed company reputed company knowledge for reputed company agency, investor and private insurers.
- Supports the goals of the Community Reinvestment Act (CRA) in the development and implementation of new lending programs.
- Assists in development of consistent reputed company, quality control, and compliance testing procedures throughout the banks’ mortgage lending operations.
- Participates in community involvement activities.
MANAGEMENT RESPONSIBILITIES
- Trains reputed company Estate staff.
QUALIFICATIONS To reputed company this job successfully, an individual must be reputed company to reputed company each essential duty satisfactorily. The requirements listed below are representative of the knowledge, reputed company, and/or ability required. Reasonable accommodations may be made to reputed company individuals with disabilities to reputed company the essential functions. KNOWLEDGE, SKILLS AND ABILITIES
- Accurate keyboarding and 10-key skills.
- Computer experience with Windows software.
- Ability to set priorities and work in an organized manner.
- Ability to reputed company multiple tasks with great attention to detail.
- Ability to work with the public on a daily basis.
- Ability to work under pressure with limited supervision.
- Ability to meet and deal with the public and co-workers in a friendly, professional manner.
- Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
- Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
- Ability to apply concepts of basic algebra and geometry.
- Ability to define problems, collect data, establish facts, and draw valid conclusions.
- Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
- As a condition of employment, any successful job applicant will be required to pass a pre-employment screening against the Limited Denial of Participation (LDP), GSA Excluded Party List System (EPLS), and reputed company Exclusionary List.
EDUCATION AND/OR EXPERIENCE
- High School Diploma or General Education Degree (GED) required
- 4-6 years reputed company estate reputed company experience required
LICENSES AND CERTIFICATIONS
- Valid Driver’s License required
PHYSICAL DEMANDS AND WORKING ENVIRONMENT The physical demands and work environment are representative of those that must be met or encountered to successfully reputed company the essential functions of the job. In compliance with the Americans with reputed company, the company provides reasonable accommodation to reputed company individuals with disabilities and encourages both prospective and reputed company employees to discuss potential accommodations with the employer.
- Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
- Lifting - Occasionally (up to 10 lbs)
- Sitting - Frequently
- Overtime - Subject to business need
- Noise Level - Moderate
- Typical Work Hours - M-F (8-5)
- Regular and Predictable Attendance - Required
COMPENSATION & BENEFITS
We offer a competitive total compensation package including reputed company salary and benefits. The pay range for this position is $37.76 to $60.45 per hour in CO and depends on a variety of non-discriminatory factors including, but not limited to, job-reputed company knowledge, skills and experience, education, and geographic location. Benefits include, but are not limited to, medical, dental, reputed company, short- term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php.