Mortgage Loan Underwriter II / MORTG003668 /Remote Position Available In Lee, Mississippi
Tallo's Job Summary: The Mortgage Loan Underwriter II position at Cadence Bank involves approving or denying mortgage loans based on application information. Responsibilities include verifying borrower income, reviewing credit history, evaluating assets, and ensuring property specifications meet requirements. Applicants need a high school diploma, understanding of loan programs, and ability to work independently. Cadence Bank is an equal opportunity employer.
Job Description
DescriptionWhat The Role IsUnder general supervision, the Mortgage Loan Underwriter is responsible for approving or denying mortgage loans based on information provided in a loan application.•Remote within Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, Tennessee, and Texas.
How You will Make an ImpactVerifies 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.
Who You AreHigh 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.
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.
If your experience aligns with this description, please consider applying. Many skills are transferable among industries and a passion for the role and willingness to learn are important considerations. We believe that a diverse workforce creates problem-solving and creative thinking, which is why we’re dedicated to adding new perspectives to the team and encourage everyone to apply.
The above statements are intended to describe the general nature and level of the work being performed by people assigned to this work. This is not an exhaustive list of all duties and responsibilities. CadenceManagement reserves the right to amend and change responsibilities to meet business and organizational needs as necessary.
Cadence Bank is an affirmative action/equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, status as a protected veteran, among other things, or status as a qualified individual with disability.#LI-RF1QualificationsBehaviorsDetail Oriented – Capable of carrying out a given task with all details necessary to get the task done wellEducationHigh School (required)Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.
