Position Purpose:

Underwrite mortgage loans (government and conventional), monito compliance and quality control measures, and manage mortgage training program.

Job Duties and Responsibilities:

• Underwrite all mortgage loan files, either electronically or manually, in accordance with investor and/or government agency guidelines.
• Build relationships with loan officers by monitoring deadlines and maintaining communication regarding pipeline and turn times.
• Provide guidance to all mortgage personnel for compliance questions and scenario analysis by maintaining open communication.
• Consult with management in the development of policies and procedures to ensure compliance with relevant laws and regulations.
• Research questions on rules, regulations, product changes and report findings and recommendations.
• Remain aware and knowledgeable of industry changes to products and guidelines and provide guidance to mortgage personnel.
• Create monthly reports from Encompass for management review.
• Maintain knowledge of and ensure compliance with the Bank Secrecy Act.
• Complete annual training as required.
• Participate in bank/community activities.
• Other duties as assigned.

Skills and Abilities Required:

• Proven knowledge of compliance and disclosure requirements.
• Proven knowledge of closing, post-closing and quality control responsibilities.
• Strong analytical skills; accuracy with numbers, consistency and completeness are critical.
• The ability to build relationships in a team-oriented environment.
• Strong computer skills; proficient in Microsoft Word, Excel and Outlook.
• Excellent written and verbal communication skills as well as the ability to read and understand basic policies and procedures.
• Proactive; desire to identify opportunities rather than react to problems.
• Responsiveness in a fast paced, fluid environment and be held to minimum production standards while maintaining excellent organizational skills.
• High integrity and outstanding work ethic; Ability to maintain confidentiality is a requirement.
• Strong sense of initiative; Self-motivated; Work well without close supervision.

Experience and Education Requirements:

• Minimum of two (2) years of experience working in a bank, preferably in mortgage lending.
• Minimum of one (1) year of experience underwriting secondary market loans.
• High School Diploma or equivalent required; some college preferred.
• FHA DE, Section 184 DG, VA LAPP and RD Certifications preferred.
• Experience using Encompass preferred.

Physical Requirements:

• Typically requires sitting for long periods of time with frequent keyboard/mouse usage and intermittent stooping, bending and walking.
• May occasionally lift up to 25 pounds which may include the need for independent mobility: bend, reach, or kneel.
• Visual and auditory skills are required.

Performance Standards:

• Accuracy: Completeness of documents prepared.
• Responsiveness: Timeliness of completion of documents and responding to requests for information.
• Relationships: Ability to work well with others.
• Guidance: Ability to provide guidance by answering questions and training others.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets