Sr. Underwriter (Testing Specialist) Position Available In Mecklenburg, North Carolina

Description Work Locations:

• Atlanta, GA
• Charlotte, NC
• Plano, TX
• Phoenix, AZ Testing Specialist II
• Sr Mortgage Underwriter Global Risk Analytics (GRA) and Enterprise Independent Testing (EIT) are sub-lines of business within Global Risk Management (GRM).

Collectively, they are responsible for developing a consistent and coherent set of models, analytical tools, and tests for effective risk and capital measurement, management and reporting across the company. GRA and EIT partner with the Lines of Business and Enterprise functions to ensure the capabilities it builds address both internal and regulatory requirements, and are responsive to the changing nature of portfolios, economic conditions, and emerging risks. In executing its activities, GRA and EIT drive innovation, process improvement and automation. We need more recent full underwriting experience. (FHA, Conventional and VA s r underwriting experience required as base knowledge to then build and train on our Home Loans Credit Testing scope.)

Job Description:

Enterprise Independent Testing (EIT) Consumer Banking Testing (CBT) is responsible for Consumer testing aligned to Retail, Preferred, Small Business, Global Consumer Operations, and Consumer Global Compliance and Operational Risk. EIT has established itself as the enterprise utility to test all end-to-end processes on behalf of Second Line of Defense, Frontline Units (FLUs) and Control Functions (CFs), enabling more efficient and effective testing. EIT is transforming the way testing is built and executed with digital transformation, implementing automation, and leveraging cutting edge Artificial Intelligence/Natural Language Processing technologies. EIT carries a portfolio of 8,000+ tests and has a global footprint of testing professionals across the United States, Europe, Asia and Latin America as well as Global Business Services (GBS) associates. This job is responsible for accurate and timely test execution and/or supporting operational and administrative activities related to the end-to-end test execution process. Key responsibilities of the job include executing high quality testing in accordance with the test script, documenting and escalating defects, preliminary reporting, and analysis of results, and collaborating with Compliance and Operational Risk officers and/or Front-Line Unit (FLU) process owners on the identification of themes and trends at the Front-Line Unit (FLU), control function and Enterprise level.

Role Overview:

As a Testing Specialist II, main responsibilities include:

• Accountable for accurate and timely test execution
• Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope
• Independently identify risk defects and root cause for finding placement and details defects
• Examine loan documentation for accuracy and completeness
• Provide training and direction to more junior staff as appropriate
• Elevate errors and recommends enhancements as appropriate
• Review reversal requests/arbitration appeals as well as analyze results
• Work special projects as necessary
• Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc.
• Perform Quality Assurance Testing
• Contributes to Test Development Intakes as needed, including test script edits and pilot testing
• Create and submit redlined test scripts for Simple Path processing
• Point-of-contact for Support Lead or assist Testing Lead when needed

Required Education & Experience:

• Bachelor’s Degree or equivalent experience
• Minimum 5 years’ experience in residential loan underwriting including

Conforming, Nonconforming, HELOC, Custom, FHA and VA Required Skills:

• Delegated sr mortgage underwriter
• Applies critical thinking and connects the dots on how processes relate to one another.
• Drives Operational Excellence
• Strong written, verbal and delivery skills.
• Strong Partnership and Influencing Skills
• Attention to Detail
• Adaptability
• Collaboration
• Problem Solving
• Organized and able to multi-task in a fast-paced environment
• Ability to think independently, solve complex problems, and suggest solutions.
• Ability to test across multiple lines of business
• Sees opportunities, risks, and connections while engaging with others across different functions and connecting the dots across the organization
• Proficient in the Microsoft suite with an emphasis on excel

Desired Skills:

• Interpret Relevant Laws, Rules, and Regulations
• HUD DE and VA LAPP/Automatic Certifications preferred