Underwriter I - Northpointe Bank

The POWER of a CAREER! Northpointe Bank is seeking a detail oriented, customer service minded individual to join our team as an Underwriter I. This position requires an individual who has the desire to make a difference within the organization. An exceptional ability to grasp new concepts and learn while providing excellent service is critical for this position.

If you have been looking for an opportunity in the banking/mortgage industry, have the desire to work hard, are dedicated to your individual success, and take pride in the achievement and growth within a team, then we want to hear from you!!!

The Underwriter I is responsible for underwriting conforming mortgage loans. Which includes: rendering credit decisions on incoming applications consistent with internal and insurer policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by Loan Officer.

Responsibilities:
• Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process on each mortgage application, as presented by the Loan Officer
• Apply internal guidelines and insurer guidelines (FNMA, FHLB, FMHL and Northpointe Bank Portfolio guidelines) to the credit decision process.
• Negotiate loan terms (where applicable) in order to satisfy the interests of the client and Northpointe Bank.
• Prioritize deals in Workflow TM queue in order to minimize turnaround time.
• Verify accuracy of supporting employment, down payment, appraisal, and financial documentation
• Correspond with Loan Officer and LOA's and Loan Coordinators to attain outstanding documentation needed to complete requirements as stipulated on the commitment issued.
• Review documentation for compliance with internal and regulatory guidelines
• Work with Post Closing when loans have been suspended
• Select required conditions on each deal to be satisfied by the solicitor and the broker prior to funding.
• Supporting the Loan Coordinator in issuing the changed circumstance forms for all redisclosures when needed.
• Assist in streamlining daily processes and procedures.
• Meet or exceed closed loan goals each month with no errors.
• Meet established standards and guidelines with regard to compliance, job knowledge, quality, attendance, efficiency, initiative, customer service, and overall performance.
• Maintain customer confidence by providing ongoing quality service and keeping all files and information confidential.
• Maintain up-to-date knowledge and compliance with internal policies and procedures. Understand and ensure compliance with laws, rules, and regulations affecting our institution.
• Ability to communicate effectively with supervisors, co-workers and customers, work independently and is self-motivated.
• Effective project management skills and the ability to proactively problem solve.

Requirements:
• High school diploma or equivalent.
• 2 years mortgage experience preferred
• At least 2-year mortgage underwriting. Processing knowledge
• Strong communication skills, verbal and written
• Strong analytical skills
• Demonstrated ability to resolve complicated issues as they arise
• Experience with the following: Fannie Mae, Freddie Mac, FHA, VA, RD, MSHDA, OHFA, Wells Fargo and FHLB.
• Proven organizational skills and demonstrated ability to prioritize and multi-task
• Thorough understanding and knowledge of mortgage documents.
• Proficient computer skills (i.e., Microsoft Word, Excel, Outlook, any other mortgage/banking software, etc.).
• Professional demeanor and interaction with all customers (internal and external).
• Effective interpersonal and communications (written and verbal) skills.
• Ability to work effectively in a team-oriented environment as well as independently.
• Must be a self-starter with the ability to work with minimal supervision while obtaining satisfactory results.
• Ability to pay attention to detail while handling a high volume of work with multiple interruptions.

Our Hiring Philosophy:
Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.

It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.

Benefit Information:
• Medical
• Dental
• Vision
• Life, LTD, & AD&D
• Dependent Care Spending Plan (DCSA)
• Employer Stock Ownership Plan with 401(k) feature and company match
• Complimentary Banking Services
• Tuition Assistance

AA - EOE

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