Mortgage Underwriter III (Retail) EverBank Financial
THIS JOB HAS EXPIRED We are delighted that you have chosen to explore the career opportunities available with EverBank!
Hiring into all levels of Underwriting will be considered based on level of experience and appropriate skillset.
The Underwriter III position is responsible for reviewing standard and more complex conventional/conforming standard and JUMBO loan submissions ensuring they meet company and investor guidelines and evaluating loans in such a way as to maximize company profit and minimize company risk exposure. This position will weigh credit risk to ensure liability taken on the by company results in saleable loans. The successful candidate should have experience providing excellent customer service to internal and external customers and demonstrated ability working effectively with processing and sales teams in an action oriented environment. Must have experience meeting daily volume requirements maintaining a high degree of accuracy.
? Reviews all loan submissions and follow-up conditions provided by borrower/broker.
? Ensures that corporate operating standards are met for underwriting and compliance.
? Ensures that customer service commitments are met.
? Reviews all items and conditions provided by borrowers and ensure they meet the required guidelines.
? Reviews items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor.
? Ensures quality control standards are met so company is able to sell loan.
? Ensures all credit decisions meet compliance standards. Monitors property appraisal process to ensure value of property is accurately presented.
? Underwrites loans using automated processes.
Minimum Qualifications (Knowledge, Skills and Abilities)
? Must have experience and full working knowledge of agency underwriting and selling guidelines.
? Must have experience and skill reviewing documents within corporate time-frames and maintaining low error rates.
? Must be well organized and high-functioning in an action oriented environment.
? Must have experience and skill accurately assessing risk.
? Must be proficient in determining if submitted conditions are acceptable, offering alternative suggestions as needed.
? Ability to learn and become proficient reviewing JUMBO loan submissions. Must be proficient reviewing more complex loans including but not limited to self-employed borrowers.
? Dedicated to meeting and exceeding the expectations and requirements of internal and external customers.
? Ability to establish and maintain effective relationships with peers and customers gaining their trust and respect.
? Must have strong communication skills, both verbal and written.
? Ability to effectively mentor those with less underwriting experience.
Training and Experience
? Must have a minimum of 4 - 6 years traditionally underwriting more complex mortgage files.
? HS diploma required, bachelor?s degree preferred.
? Must have experience working in and complete knowledge of agency automated underwriting systems.
? Must have recent government underwriting experience if required by line of business.
? Direct Endorsement Certification (?DE?) or VA SAR Certification a plus.
Pre-Employment Screening Includes:
? Credit Check
? Criminal Background Check
? Drug Screen ? after offer of employment is extended and before start date
? Past Employment Verification
? Social Security Verification
Note: The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all duties, responsibilities, and skills required of personnel so classified, and they may change at any time.
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EverBank is an equal opportunity employer. No employee or applicant for employment will be discriminated against because of race, color, religion, national origin, physical or mental disability, age, gender, sexual orientation, genetic information, veteran?s status, or status as a disabled veteran or veteran of the Vietnam era.
EverBank is not seeking assistance or accepting unsolicited resumes from search firms for employment or contractor opportunities. Regardless of past practice, all resumes submitted by search firms to any employee at EverBank via e-mail, the Internet, or directly to hiring managers at EverBank in any form without valid written search agreement executed by the VP, Talent Acquisition for that specific position will be deemed the sole property of EverBank, and no fee will be paid in the event the candidate is hired by EverBank as a result of the referral or through other means.
||8100 Nations Way |
Jacksonville, FL 32256
THIS JOB HAS EXPIRED