Underwriter
Cornerstone Capital Bank, Salt Lake City, UT, United States
Overview
Cornerstone Home Lending, a division of Cornerstone Capital Bank, is a national home lender known for on-time closings and a focus on service, customer satisfaction, employee retention, and happiness. We seek team members who are passionately committed to Cornerstone's Mission, Vision & Core Convictions and who thrive in a fast-paced mortgage environment. Who we are looking for
Cornerstone Home Lending is looking for an experienced Underwriter who brings enthusiasm, attention to detail, and a servant heart to our team of mortgage professionals. This professional will work in a tight-knit, goal-oriented team where our Customers and Loan Officers can rely on them to ensure an accurate and quality product. Key Responsibilities
Completes a thorough analysis of loan files to determine compliance with investor guidelines. Evaluates the entire credit package and collateral for residential mortgage loans to ensure an investment-quality loan product and creditworthiness of the borrowers and acceptability of the collateral. Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met. Verifies the accuracy of all calculations. Recommends loan disposition for loans outside authority limitations to the Manager. Maintains working knowledge of secondary market underwriting guidelines, private investor guidelines, and private mortgage insurance guidelines. Assists with maintaining compliance with applicable federal, state, and local laws, regulations, and ordinances by abiding by the compliance program and all policies, procedures, rules, and regulations. Assists in developing underwriting standards. Assists the mortgage production team in qualifying loans. Aids processors by providing general guideline interpretations and answering questions on specific loan files. Responds to post-closing review and quality control audits in a timely fashion. Multi-tasking, high volume, and flexibility to work weekends as needed. What you'll need to be successful
DE/SAR Required 3-5 years mortgage underwriting experience Excellent documentation, organization, and analytical skills Excellent oral and written communication skills; strong customer service orientation Ability to handle frequent changes Creative/innovative problem solver Confidentiality required in handling of security Experience with credit decisions on conforming loan documents What we offer
We offer a competitive salary, a full benefits package, and potential for a performance-based bonus. What to do next
If Cornerstone sounds like the place for you and you have the qualifications, drive, and passion to match, we invite you to become a member of our winning team. As a Cornerstone team member, we invest in you as a valuable asset to our company. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For more information, review the Know Your Rights notice from the Department of Labor.
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Cornerstone Home Lending, a division of Cornerstone Capital Bank, is a national home lender known for on-time closings and a focus on service, customer satisfaction, employee retention, and happiness. We seek team members who are passionately committed to Cornerstone's Mission, Vision & Core Convictions and who thrive in a fast-paced mortgage environment. Who we are looking for
Cornerstone Home Lending is looking for an experienced Underwriter who brings enthusiasm, attention to detail, and a servant heart to our team of mortgage professionals. This professional will work in a tight-knit, goal-oriented team where our Customers and Loan Officers can rely on them to ensure an accurate and quality product. Key Responsibilities
Completes a thorough analysis of loan files to determine compliance with investor guidelines. Evaluates the entire credit package and collateral for residential mortgage loans to ensure an investment-quality loan product and creditworthiness of the borrowers and acceptability of the collateral. Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met. Verifies the accuracy of all calculations. Recommends loan disposition for loans outside authority limitations to the Manager. Maintains working knowledge of secondary market underwriting guidelines, private investor guidelines, and private mortgage insurance guidelines. Assists with maintaining compliance with applicable federal, state, and local laws, regulations, and ordinances by abiding by the compliance program and all policies, procedures, rules, and regulations. Assists in developing underwriting standards. Assists the mortgage production team in qualifying loans. Aids processors by providing general guideline interpretations and answering questions on specific loan files. Responds to post-closing review and quality control audits in a timely fashion. Multi-tasking, high volume, and flexibility to work weekends as needed. What you'll need to be successful
DE/SAR Required 3-5 years mortgage underwriting experience Excellent documentation, organization, and analytical skills Excellent oral and written communication skills; strong customer service orientation Ability to handle frequent changes Creative/innovative problem solver Confidentiality required in handling of security Experience with credit decisions on conforming loan documents What we offer
We offer a competitive salary, a full benefits package, and potential for a performance-based bonus. What to do next
If Cornerstone sounds like the place for you and you have the qualifications, drive, and passion to match, we invite you to become a member of our winning team. As a Cornerstone team member, we invest in you as a valuable asset to our company. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For more information, review the Know Your Rights notice from the Department of Labor.
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