Mortgage Underwriter (42766)

Company: Salisbury Bank
Location: Lakeville
Posted on: June 12, 2021

Job Description:

OVERVIEW:

Under the general supervision of the EVP, Retail Lending and AVP Residential Lending, performs a variety of mortgage processing, reviews and evaluates mortgage application information, and performs originator assistance functions in conformance with established Bank policies, strategies and procedures.

PRIMARY ACCOUNTABILITIES AND RESPONSIBILITIES:

Performs any functions necessary, within the scope of authority and expertise, to provide the highest level of customer service and responsiveness to the financial needs of individuals, families, businesses, organizations and stockholders served by the Bank.

• Prepare and input mortgage files into Encompass. Review file for compliance and generate and send out appropriate disclosures.
• Orders credit information. Follows-up with customers for any missing information and with originators for any required conditions. Acts as liaison between originators, customers, and underwriter.
• Responds to a variety of customer telephone inquiries and directs calls as needed.
• Performs a variety of clerical functions including uploading, faxing, monitoring of emails for customer correspondence, communicates with underwriter when stips are to be reviewed.
• Assist with miscellaneous marketing initiatives as requested.
• Act as a liaison between operation staff and originators.
• Attends meetings and seminars as needed.
• Promotes the best interest of the Bank whenever and wherever possible. After hours events may be required.
• Performs all duties in accordance with prescribed regulatory compliance guidelines.

SOX COMPLIANCE:

Comply with all SOX policies and procedures.

• Assist managers with day-to-day compliance with internal and external controls.
• Report any changes in internal controls over financial reporting to department manager or Executive Officer as they occur; ensure process flows and procedures are kept current with the practices of the department.

OTHER ACCOUNTABILITIES AND RESPONSIBILITIES:

• Serves as backup to other mortgage makers' staff to ensure timely and accurate completion of department tasks.
• Performs related loan processing activities as may be assigned or requested.
• Adhere to the Bank's Core Values and Moments of Truth.

The above is a description of the ordinary duties of the position. It should be expected that from time to time other duties both related and unrelated to the above may be assigned, and therefore, required.

POSITION REQUIREMENTS:

High school diploma or its equivalent. Must be detail oriented and demonstrate strong communication and organizational skills. Ability to communicate well with customers and internal staff. Able to use a variety of office equipment including a computer terminal.

MLO License required.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

SUPERVISORY SCOPE: NONE

Qualifications

POSITION REQUIREMENTS:

High school diploma or its equivalent. Knowledge of general bookkeeping principles. Must be detail oriented and demonstrate strong communication, organization and customer service skills. Able to use a variety of office equipment including a computer terminal.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

SUPERVISORY SCOPE:

None

Keywords: Salisbury Bank, New England , Mortgage Underwriter (42766), Other , Lakeville, Northeast