Mortgage Underwriter
U.S. Bank, California, MO, United States
Job Description
Analyzes and evaluates residential loan applications originated by U.S. Bank branch offices in accordance with industry and business unit standards. Gathers, analyzes and interprets all types of credit information for existing and prospective retail banking customers in order to maximize credit and minimize risk and potential loss. Develops and maintains a loan underwriting portfolio consistent with the Bank's guidelines for credit quality and Investor or Insurer standards. Approves and/or denies loans within certain limits and makes credit structure and loan eligibility decisions.
Basic Qualifications
Bachelor's degree, or equivalent work experience
Five or more years of mortgage underwriting experience
Preferred Skills/Experience
Advanced understanding of factors affecting real estate values and credit analysis
Good mathematical skills
Proficient computer navigation skills
Excellent verbal and written communication skills
Experience with FHA, VA, HUD, Portfolio/Non-QM, and Jumbo loans
FHA Direct Endorsement Underwriting designation
VA Staff Appraisal Reviewer (SAR) designation
This role's schedule requires working in Pacific Standard Time zone
Benefits Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work.
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer‑funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Pay Range: $32.16 - $42.88
Equal Employment Opportunity U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
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Basic Qualifications
Bachelor's degree, or equivalent work experience
Five or more years of mortgage underwriting experience
Preferred Skills/Experience
Advanced understanding of factors affecting real estate values and credit analysis
Good mathematical skills
Proficient computer navigation skills
Excellent verbal and written communication skills
Experience with FHA, VA, HUD, Portfolio/Non-QM, and Jumbo loans
FHA Direct Endorsement Underwriting designation
VA Staff Appraisal Reviewer (SAR) designation
This role's schedule requires working in Pacific Standard Time zone
Benefits Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work.
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer‑funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Pay Range: $32.16 - $42.88
Equal Employment Opportunity U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
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