This is a Job Description for an Mortgage Loan Underwriter II in Tupelo, Mississippi

Summary: Under general supervision, the Mortgage Loan Underwriter is responsible for approving or denying mortgage loans based on information provided in a loan application.

Duties & Responsibilities: Verifies income and employment information of borrower. Reviews credit history of borrower.

 Evaluates the borrower's depository accounts and assets.

 Determines fair market value for the collateral by reviewing the appraisal.

 Ensures that property specifications and loan terms meet financial institution requirements and government regulations.

 After evaluation of the application and collateral, the mortgage underwriter renders the underwriting decision.

 Documents the reasons for approval or denial of the loan and includes the documentation in the loan file.

 Provides and maintains a professional, business-like atmosphere within the organization.

Requirements

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Qualifications: High School Diploma or equivalent. Thorough understanding of all loan programs. Have a good understanding of FHA, VA and conventional underwriting guidelines for all loan investors. I must be able to meet strict time deadlines and work independently under pressure. Must be detail oriented and able to follow set guidelines. Excellent written and verbal communication skills. Works cooperatively with others. Regular and reliable attendance.

Equal

Opportunity/Affirmative Action Employer.