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
コグニザントについて
コグニザント（NASDAQ: CTSH）は、AI Builderおよびテクノロジーサービスプロバイダーとして、お客様にフルスタックのAIソリューションを構築することで、AI投資と企業価値を結ぶ架け橋となっています。業界、ビジネスプロセス、エンジニアリングに関する当社の深い専門知識を活かし、組織固有のビジネス環境をテクノロジー・システムに組み込みます。これにより、人間の可能性を最大限に引き出し、確かな成果を実現するとともに、急速に変化する世界においてグローバル企業が常に一歩先を行くための支援を行っています。 詳細については、cognizant.ai をご覧ください。
雇用に関する追加情報
本募集に記載されている報酬情報は、掲載日時点で正確なものです。Cognizantは、適用される法令に従い、いつでも本情報を変更する権利を留保します。
応募者は、対面またはビデオ会議による面接への参加を求められる場合があります。また、各面接の際に、現在有効な州政府または政府発行の身分証明書の提示を求められる場合があります。
Cognizantは機会均等雇用主です。応募および選考において、人種、肌の色、性別、宗教、信条、性的指向、性自認、国籍、障がい、遺伝情報、妊娠、退役軍人の地位、その他連邦法・州法・地方自治体の法律により保護されるいかなる特性に基づく差別も行いません。
