MORTG UNDERWRITER

MORTG UNDERWRITER

Greeley, CO Job Details Full-time 1 day ago Benefits Profit sharing Health savings account Paid holidays Disability insurance Health insurance Dental insurance 401(k) Flexible spending account Tuition reimbursement Paid time off Parental leave Employee assistance program Vision insurance Life insurance Paid sick time Qualifications Computer operation Compliance with loan regulations Underwriting Federal Housing Administration (FHA) loans Phone communication Computer literacy Filing Mid-level High school diploma or GED Staff training Organizational skills Typing Lending Banking product expertise Veterans Affairs (VA) loans Client interaction via phone calls Full Job Description

GENERAL SUMMARY

Responsible for approving loans, obtaining necessary approval for all credits in excess of lending limit. Assists Senior Underwriter in conducting other duties related to the credit management of the secondary mortgage lending function of the branch. Responsible for on-going training and updates related to loan programs and guidelines, and communicating changes to staff.

RESPONSIBILITIES AND DUTIES

Responsible for underwriting FHA, VA, and conventional mortgage loans, meeting set guidelines. Responsible for manual underwriting decisions, ensuring policies and guidelines are strictly followed and supporting documentation to ensure compliance. Responsible for keeping updated and informed of all changes that occur with loan agencies and investors; informs Senior Underwriter of any changes. Assists Loan Originators in obtaining pre-approval. Responsible for answering pre-qualification questions. Performs other job-related duties as assigned by management . Regular and reliable attendance.

KNOWLEDGE, SKILLS, AND ABILITIES

Knowledge of the secondary market, agency, loan products and guidelines. Knowledge of bank policies and procedures. Skill in underwriting FHA, VA, and conventional loan products. Ability to multi-task, and function as a team player. Ability to type with high degree of speed and accuracy. Ability to work with accuracy, organization, and attention to detail. Ability to communicate with customers and co-workers in a courteous and professional manner.

EDUCATION AND EXPERIENCE

High School diploma or equivalent. Secondary market mortgage loan underwriting experience required.

PHYSICAL REQUIREMENTS

Seeing:

75-100% Must be able to read reports, use computer

Hearing:

75-100% Must be able to communicate with customers and co-workers in person and on the telephone

Standing/Walking:

25-49% Must be able to visit with the loan officer, go to areas of the office to use copier & fax machines, etc.

Climbing/Stooping/Kneeling:

25-49% Must be able to kneel or stoop to file mortgage loan files in cabinets.

Fingering/Grasping/Feeling:

75-100% Must be able to use computer, write and place paperwork in file folders.

PHYSICAL DIMENSIONS

Light Work:

Exerting up to 20 pounds of force occasionally, and/or a negotiable amount of force frequently or constantly to lift, carry or otherwise move objects. Job involves sitting most of the time and walking and standing some of the time.

NOTE:

The statements herein are intended to describe the general nature and level or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel. About Pinnacle Bank/Bank of Colorado We take pride in our heritage as a family-owned, community bank. Our commitment to our customers and community is at the forefront of how we do business. We are a Nebraska-based banking organization founded in 1938 in Palmer, Nebraska. Today, we have branches in Arizona, Colorado, Kansas, Missouri, Nebraska, New Mexico, Texas and Wyoming. As we grow, our commitment to our customers and community remains as strong as ever. We specialize in building lasting banking relationships with the businesses, farms and families we serve. We also prioritize taking an active role in our communities through charitable giving and volunteering. At Pinnacle Bank, we are ready to help your company with business checking and savings accounts, commercial loans and lines of credit and treasury management services. We also offer personal banking services, including accounts, mortgages, personal loans and technology products. We offer fair and competitive compensation as well as bonus based on an employee's years of service and possible discretionary merit bonuses. Employees also have the opportunity to participate in the Bank incentive programs based on charter/branch guidelines.

Other benefits include:

8 paid holidays

• 17 PTO days each year for the first five years of employment.
• After five years, 22 PTO days each year.
• After ten years, 27 PTO days each year.
• Employees must also complete the 90-day introductory period prior to accruing PTO.
• New employees will receive 16 hours of paid sick time upon their hire date.
• Health, dental, prescription drug card, vision, and voluntary life insurance plans Health Savings Account with employer contributions Flexible medical and dependent care spending plans Parental Leave after one year of full-time employment 401K plan after 3 months and start of next quarter with employer contributions and profit sharing Free checking account and basic printed checks Free safe deposit box $50,000 group term life insurance Long term disability insurance Employee Assistance Program Educational Assistance • Paid holidays and paid time off benefits are not applicable for employees that are fully commissioned.

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at or by phone at 402-697-8666 and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the [

EEO KNOW YOUR RIGHTS

] and [

PAY TRANSPARENCY STATEMENT

] .