Loan Underwriter (US)
Job Profile Summary: The Loan Underwriter and evaluates conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This job also underwrites and evaluates Home Equity and Consumer Loans.
Depth & Scope:
· Underwrites ethical and salable residential mortgage and consumer loans and evaluates risk while ensuring the quality of each loan submitted
· Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures
· Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function
· Evaluates all documents and conditions loan accordingly
· Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues
· Escalates integrity issues as appropriate and ensures files are compliant to internal guidelines and external regulatory requirements
· Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements
· Coaches and mentors assigned operations staff; assists with training and guidance as assigned
· Monitors vendor performance if required, submits monthly reports to management
Education & Experience:
· 2 year degree or equivalent experience preferred
· 3-5 years loan underwriting experience or 5-7 years of loan processing experience
· 3-5 Years Residential Loan Underwriting Experience
· Supports the High Net Worth/Wealth Mgmt customers, with residential/consumer lending limits in the $1-2MM aggregate range as approved by Credit Risk Management
· Outstanding knowledge of loan underwriting documentation requirements
· Mortgage Operations - complete knowledge of FNMA DU automated underwriting system; must also be familiar with underwriting jumbo loans and government products such as FHA and VA loans
· Ability to effectively communicate with all types of personalities and the ability to provide excellent customer service to both internal and external customers
· Superior oral and written communication skills
· Excellent PC skills
· In-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests
· In-depth knowledge of CRA products and industry
· Detail oriented, possessing excellent organizational, analytical and decision making skills
· Ability to communicate with multiple business partners in the organization
· Ability to handle heavy workload, multitask and meet stringent deadlines
关于高知特 (Cognizant)
高知特(Cognizant)（纳斯达克代码：CTSH）作为一家AI Builder和相关技术服务提供商，致力于通过打造全栈AI解决方案，帮助企业将人工智能投资转化为实际价值。公司凭借深厚的行业经验、流程优化和工程技术专长，将企业独特的业务场景融入科技系统，赋能组织释放人才潜能，推动切实成果，并帮助全球企业在瞬息万变的环境中保持领先。如需了解更多详情，敬请访问 cognizant.ai 或关注@cognizant。
补充雇佣信息
薪酬信息截至本职位发布之日为准。Cognizant 保留在适用法律允许的范围内随时修改该信息的权利。
申请人可能需要通过现场面试或视频会议的方式参加面试。此外，候选人在每次面试时可能需要出示其当前所在州或政府签发的有效身份证件。
Cognizant 是一家提供平等就业机会的雇主。在招聘过程中，您的申请和候选资格不会因种族、肤色、性别、宗教、信仰、性取向、性别认同、国籍、残疾、遗传信息、怀孕、退伍军人身份或任何其他受联邦、州或地方法律保护的特征而受到影响。
