Senior Mortgage Underwriter - TX, AZ, CO (Remote) - Zions Bancorporation

We are now accepting resumes for our Mortgage Underwriter position. This position may be located in The Woodlands, TX, Phoenix, AZ or Greenwood Village, CO, or fully remote. The ideal candidate for this position will have the skills and experience necessary to:







· Be responsible for reviewing, analyzing, underwriting, evaluating and for approving or denying mortgage residential loan applications according to the company's guidelines, business and credit standards as well as applicable laws and regulations.



· Be responsible to review and analyze income, asset, credit documentation, credit reports, salary and employment history, debt ratios and loan to value information to determines a borrower's creditworthiness.



· May also evaluate the value of the subject property.



· May recommend terms of loan.



· Review documents and forms within system.



· Gather information as necessary to make sound decisions.



· Respond to affiliate banks, loan center and branch personnel on lending decisions and issues.



· Be responsible and accountable for risk by elevating concerns and following policies and procedures.



· Keep abreast of federal and state laws and regulations relating to consumer lending.



· Other duties as assigned.







Qualifications :







· 5+ years’ experience with mortgage underwriting, including agency, portfolio, and/or government lending



· Extensive knowledge of consumer/mortgage credit, credit reports, lending and underwriting concepts, practices and procedures



· Ability to review and analysis analyze income, assets, credit documentation, credit reports, debt ratios and loan to value information



· Working knowledge of federal and state laws and regulations relating to consumer lending



· Ability to make sound decisions



· Must have strong customer relations and communication skills, both verbal and written



· Ability to underwrite a high volume of loan applications maintaining accuracy and consistency



· Strong attention to detail



· Ability to handle confidential material in a professional manner



· Working knowledge of a various related software applications, including spreadsheets, word processing, etc.



· Preferred Qualifications: FHA DE and/or VA SAR







Benefits :







· Medical, Dental and Vision Insurance - START DAY ONE!



· Life and Disability Insurance, Paid Parental Leave and Adoption Assistance.



· Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts.



· Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays.



· 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.



· Salary range: $39.56 to $58.03 depending on experience.



· Mental health benefits including coaching and therapy sessions.



· Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.



· Employee Ambassador preferred banking products.










Req ID: 065722
Equal Opportunity Employer

It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.

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