Mortgage Underwriter jobs in Oklahoma
Recently Added Mortgage Underwriter jobs
MORTGAGE UNDERWRITER
- Great Plains Bank
-
Oklahoma, OK
OTHER
-
Underwrite mortgage loan applications and evaluate loans in order to maximize organizational profit and minimize risk or loss while providing superior service to residential lending clients by performing the following duties.
Essential Duties and Responsibilities include the following: (Other duties may be assigned)- Reviews residential loan application file to verify application data is complete and meets investor guidelines, underwriting philosophy, policy and procedures.
- Maintain weekly and monthly reports as required by management.
- Assess the overall risk and credit quality of loans based on transaction type, analysis of income, assets, credit and collateral.
- Evaluate and verify information contained in the loan application.
- Ensure that income verification and employment details regarding the applicant are accurate.
- Verify loan-to-value ratios.
- Ensure that the borrower has the ability to repay the loan.
- If necessary, request additional information to support the file or to confirm information already in the file.
- Ensure that the funds for closing are scrutinized very carefully.
- Ensure that the appraisal valuation makes sense and that it will be accepted by the bank or investor
- If necessary, rework the loan to new loan programs and terms.
- Maintain knowledge of all documents used in the origination of FHA, VA and conventional loans. USDA experience a plus, but not required.
- Consistently apply established procedures, including the use of checklists, loan systems, appraisal review software and fraud detection procedures.
- Meet or exceed established turn time and productivity expectations for new files and resubmissions.
- Proactively prioritize duties based upon volume of new files and conditions received.
- Identify and promptly discuss other options available for loans that cannot be approved as submitted.
- Proactively pursue alternative solutions on behalf of loans that are not able to proceed as requested.
- Promptly deliver files to the appropriate loan processor or loan officer for further processing, if applicable.
- Provide guidance, as needed, to the processor or loan officer when documentation provided does not satisfy conditions. Offer flexible alternatives.
- Responsible for originating real estate mortgage loans in accordance with Great Plains Bank’s processes and product guidelines.
- Responsible for complying with the Bank’s BSA/AML and OFAC Compliance and Consumer Compliance policies and procedures relevant to their responsibilities. If the employee is not certain of what the specific instance calls for, the employee will consult the respective policy and will contact their manager with additional questions.
- All employees are required to attend training as required by GPNB as well as support the overall compliance program by complying with all laws, policies and procedures.
To perform the job successfully, an individual should demonstrate the following competencies:- Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.
- Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
- Project Management - Develops project plans; Coordinates projects; Communicates changes and progress.
- Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.
- Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions.
- Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
- Adaptability - Adapts to changes in the work environment. Attendance/Punctuality - Is consistently at work and on time.
- Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals.; Completes tasks on time or notifies appropriate person with an alternate plan.
- Initiative - Seeks increased responsibilities; Asks for and offers help when needed.
Education and/or Experience: Associate's degree (A.A.) or equivalent from two year college or technical school; or six months to one year related experience and/or training: or equivalent combination of education and experience. Previous FHA, VA, USDA and Conventional underwriting experience required.
Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Skills: Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. To perform this job successfully, an individual should have knowledge of Microsoft Internet Explorer and Microsoft Office software.
Physical Demands: This position may require long periods of standing or sitting and may include long periods of typing and repetitive motion. Candidates must possess the ability to lift and carry cash drawers, coin bags, and boxes sometimes weighing as much as 25 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The environment would be consistent with a typical business office with moderate noise, services open to the public and the ability to work in a confined area typically indoors.
All employees are required to attend training as required by GPB, as well as support the overall compliance program by complying with all laws, policies and procedures.
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, basis of disability or any other federal, state or location protected class. - 4 Days Ago
Mortgage Advisor
- LIV Mortgage
-
Oklahoma, OK
FULL_TIME
- Are you an experienced and successful mortgage broker looking for an opportunity to grow your business with a team of highly successful mortgage professionals? We are rapidly expanding and building ca...
- 6 Days Ago
Mortgage Loan Originator
- LIV Mortgage
-
Oklahoma, OK
FULL_TIME
- We are looking for an experienced, service, and detail-oriented mortgage loan officer to join our team. We believe in removing obstacles and creating a supportive environment for you to thrive in. If ...
- 1 Month Ago
Mortgage Loan Originator
- USA Mortgage
-
Oklahoma, OK
FULL_TIME
- DescriptionWho We AreAt DAS Acquisition Company, LLC. (USA Mortgage), our mission is the unrelenting pursuit of perfection. We pride ourselves on the superior level of service that our status as a mor...
- 2 Months Ago
Mortgage Loan Originator Assistant
- House and Home Mortgage
-
Edmond, OK
FULL_TIME
- Are you interested in joining a leader in the mortgage industry who offers stability and growth, ongoing training opportunities and employee engagement? We're hiring a mortgage loan officer assistant ...
- 1 Month Ago
Mortgage Accounting Specialist
- American Mortgage Bank
-
Oklahoma, OK
FULL_TIME
- The Mortgage Accounting Specialist is responsible for completing general ledger entries, system imports and exports, account reconciliations and activity analysis primarily focused on loan level mortg...
- 17 Days Ago
Mortgage Underwriter jobs at Popular Companies
Mortgage Underwriter
- Vivid Mortgages Inc
-
Queens Village, NY
- Job Description Job Description Full time Mortgage underwriter needed for busy mortgage office in Queens Village NY (THI...
- 6/11/2024 12:00:00 AM
Mortgage Underwriter
- Pinnacle Group, Inc.
-
West Des Moines, IA
- Position: Mortgage Underwriter Work Location: Remote (but should be available for onsite training) Duration: Long Term E...
- 6/10/2024 12:00:00 AM
Mortgage Underwriter
- Hunt Mortgage
-
Buffalo, NY
- We are seeking an experienced Mortgage Underwriter with proficiency in both conventional and government loan programs. T...
- 6/10/2024 12:00:00 AM
Mortgage Underwriter
- SolomonEdwards
-
- Position Summary The Mortgage Fulfillment Underwriter ensures that the assets reviewed meet all applicable investor guid...
- 6/9/2024 12:00:00 AM
Senior Mortgage Underwriter
- First Citizens Bank
-
Columbia, SC
- Overview: This position assesses the Bank's financial risk on potential borrowers applying for mortgage loans at a high ...
- 6/9/2024 12:00:00 AM
Mortgage Underwriter
- Customer Service
-
Pontiac, MI
- Job Description Job Description Responsibilities: Review and analyze mortgage loan applications to determine creditworth...
- 6/8/2024 12:00:00 AM
Mortgage Underwriter ( Hybrid)
- Digital Risk
-
Maitland, FL
- Mphasis Digital Risk is a one stop shop for Mortgage Solutions offering cutting-edge technology tailored to deliver high...
- 6/7/2024 12:00:00 AM
Senior Mortgage Underwriter
- First Citizens Bank
-
Columbia, SC
- Overview: This position assesses the Bank's financial risk on potential borrowers applying for mortgage loans at a high ...
- 5/21/2024 12:00:00 AM
About Oklahoma
Oklahoma is the 20th-largest state in the United States, covering an area of 69,899 square miles (181,040 km2), with 68,595 square miles (177,660 km2) of land and 1,304 square miles (3,380 km2) of water. It lies partly in the Great Plains near the geographical center of the 48 contiguous states. It is bounded on the east by Arkansas and Missouri, on the north by Kansas, on the northwest by Colorado, on the far west by New Mexico, and on the south and near-west by Texas. Much of its border with Texas lies along the Southern Oklahoma Aulacogen, a failed continental rift. The geologic figure defi...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Underwriter jobs
$60,134 to $80,940
Most Popular Cities in Oklahoma for Mortgage Underwriter Jobs
What does a Mortgage Underwriter do?
Mortgage Underwriter
Planning/Organization – Ability to prioritize and plan work activities, use time efficiently and develop realistic action plans, work independently, and set expectations.
March 15, 2023
Mortgage Underwriter in Springfield, IL
Complete a thorough analysis of moderate to complex first- and second-lien loan packages to determine compliance with company and investor guidelines.
April 06, 2023
Mortgage Underwriter in Southfield, MI
Lead efforts to follow up and obtain items need to clear underwriting conditions.
May 09, 2023