6 days old
2018-08-102018-09-14

Mortgage Underwriter

Charlotte, NC 28230
**Job Description:**



Underwrites residential loans ensuring compliance with appropriate company and secondary market investor standards. As a Bank of America Mortgage Underwriter you will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and secondary market investor standards. A Mortgage Underwriter will be responsible for examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents. You may be required to work with more senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans. Mortgage Underwriters may be involved in one or several types of mortgage lending (conventional, government-backed, etc.) You may also be required to respond directly to individual and investor audits. This job code includes all levels of underwriting authority and exception levels. May respond to individual and investor audits. Must achieve government underwriting authority consistent with individual level of experience, including a successful CAIVERS check. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in your immediate termination.



As a Bank of America Mortgage Underwriter you will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and secondary market investor standards. A Mortgage Underwriter will be responsible for examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents. You may be required to work with more senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans. Mortgage Underwriters may be involved in one or several types of mortgage lending (conventional, government-backed, etc.) You may also be required to respond directly to individual and investor audits. This job code includes all levels of underwriting authority and exception levels.



**Required Skills:**



- Minimum of one to four years recent manual underwriting experience.



- Knowledge of DU preferred.



- Direct Endorsement (DE) preferred



- Proven negotiation and communication skills.



- Must show strong capacity to address credit related issues and points of risk to ensure that underwriting meets quality assurance standards.



- Familiarity with Secondary Market requirements.



- Available to work extended hours as business need requires.



- Strong analytical and judgment skills.



- Strong oral and written communication skills.



- Excellent interpersonal skills.



- Must have excellent problem solving skills.



- Thorough understanding of credit and an ability to review complex financial documents.



- Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements.



- Ability to make credit recommendations.



- Commitment to teamwork.



- Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality.



- Self-motivated.



- Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment. Attention to detail.



- Secondary Market Product Knowledge.



- Strong Customer Service Skills. Accepts direction well.



- Computer proficiency including high comfort level with Microsoft office product suite.



- Math Proficiency.



**Desired Skills:**



- FHA and VA underwriting experience with DE and SAR.



**Posting Date** : 08/07/2018



**Location** :

Charlotte, NC, GATEWAY VILLAGE, 900 W TRADE ST,

- United States



**Travel** : No



**Full / Part-time** : Full time



**Hours Per Week** : 40



**Shift** : 1st shift



**Assistance for Applicants with Disabilities**



Bank of America is committed to ensuring that our online application process provides an equal employment opportunity to all job seekers, including individuals with disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to submit an application, please visit the Applicants with Disabilities page at http://careers.bankofamerica.com/us/applicants-with-disabilities .



**Diversity & Inclusion**



At Bank of America, our commitment to diversity and inclusion is helping us to create not only a great place to work, but also an environment where our employees, our customers and our communities around the world can reach their goals and connect with each other. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.



**Frequently Asked Questions**



Need to know how to apply online, view a list of your submitted job applications or reset your password? Visit our FAQ at http://careers.bankofamerica.com/us/faq section for answers to these questions and more.

Success begins with building relationships.

At Bank of America, our customers are at the center of everything we do. Our focus is on helping each one find the right financial solutions. With a wide range of career opportunities available, we invite you to realize your career goals with us while assisting customers with what matters most to them.

Welcome to Careers at Bank of America.


Sponsored by:
Farm Credit Services of America Logo
Sponsored by:
Bank of America Logo

Featured Jobs[ View All ]

Featured Employers

Before you go...

Our free job seeker tools include alerts for new jobs, saving your favorites, optimized job matching, and more! Just enter your email below.

Share this job:

Mortgage Underwriter

Bank of America
Charlotte, NC 28230

Join us to start saving your Favorite Jobs!

Sign In Create Account
Powered ByCareerCast