Underwriter Job in Irvine 92612, California Us

The Underwriter reviews and approves/declines loans within limits and approves loans prior to submission to Higher Authority.  The Senior Underwriter has direct contact with Loan Officers and Processors.  The Senior Underwriter is responsible for underwriting and coordinating the closing of mortgage loans in compliance with the Bank's lending policies and procedures.  This position is responsible for gathering and analyzing credit information on current and potential borrowers who apply through both the retail and wholesale channels; writes loan requests; supports Loss Mitigation efforts; promotes business for the Bank by developing and maintaining good customer relations and referring customers to appropriate staff for new services.  The position of Senior Underwriter is required to be fully knowledgeable and skilled in all areas of origination and underwriting of loans.

ESSENTIAL DUTIES

Ensures compliance with all applicable regulations, policies and procedures.

  •  Processes, solves and answers difficult customer transactions, problems or inquiries.
  •  Operates computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority.
  • Answers direct, telephonic or email questions from clients and staff and directs callers to proper Bank personnel when necessary.
  • Assumes responsibility for various department functions in the absence of staff members or in overload situations.
  • Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  • Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
  • Follows policies and procedures; completes tasks correctly and on time; supports the Bank’s goals and values.
  • Consistently applies strong decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits..

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    REQUIREMENTS

    These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.  The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines.

    Strong customer service skills

  • Strong relationship development skills
  • The willingness to support all members of the team
  • The ability to comprehend and explain financial calculations and pricing alternatives
  • Intermediate experience, knowledge and training in underwriting activities and terminology.
  • Advanced knowledge of laws and regulations governing lending including but not limited to fair lending, privacy and RESPA.
  • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
  • Excellent organizational and time management skills.
  • Advanced skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs.
  • Strong verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, write correspondence, speak clearly to customers and employees.
  •  Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
  • Ability to work with minimal or no supervision while performing duties.

    • We offer:

    Qualified candidates please submit resume to:
    HR/Compliance Specialist
    P.O. Box 5227, Chula Vista, CA 91912
    hr@pacifictrustbank.com
    Fax 619-422-8653

    EOE