Mortgage Senior Underwriter – Mortgage Underwriting – Bowie, MD

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This position is 100% Remote.

Bachelor’s degree from four year college or university preferred.

Minimum of 5 years of residential underwriting experience required.

DE/SARS/LAPP highly preferred.

Current knowledge of RESPA regulations required.

Strong knowledge in FNMA/FHLMC, FHA,VA,USDA programs preferred.

Minimum of 5 years of AUS experience required.

Experience and proficiency with Encompass software preferred.

SUMMARY:

Responsible for managing and monitoring daily work flow of assigned residential loan files. The senior underwriter is to make sound decisions within the risk parameters, investor guidelines and WesBanco Credit Policy.

ESSENTIAL FUNCTION:

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank’s policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.

ESSENTIAL DUTIES AND RESPONSIBLITIES:

Managing and monitoring daily workflow of assigned files.

Make sound underwriting decisions on loans regarding credit worthiness.

Work closely with MLOs, processors and the senior management team.

Assist processors and MLOs with complex questions.

Ability to review and comprehend complex personal and business tax returns.

Consistently meet underwriting milestones as established by the bank.

Complete all bank training courses that are required in a timely manner.

Must provide exceptional, professional service to mortgage customers, originators, processors and closers.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

CERTIFICATES, LICENSES, REGISTRATIONS:

FHA delegated underwriter

VA automatic underwriter

VA staff appraisal reviewer

Able to obtain approval from secondary market investors as delegated underwriter if needed

OTHER SKILLS AND ABILITIES:

Strong customer service skills

Ability to process all portfolio and all secondary market loans

Ability to review personal and business tax returns to determine qualifying income

Strong organizational and management skills

Ability to multi-task under sometimes stressful conditions

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

ADDITIONAL INFORMATION:

The wage range for the Mortgage Senior Underwriter position is between $42.00-$47.00 per hour and eligible for approved overtime. The position includes 22 Days of PTO (Paid Time Off), 5 days of STD (Short Term Disability), 11 annual paid holidays, and 1 floating holiday. WesBanco has an excellent benefits package to include medical, dental, and vision, Health Care Flexible Spending, Dependent Care Flexible Spending, Transportation Fringe Benefit Plan, Group Life, Long Term Disability, Optional Life, access to voluntary benefit products such as Cancer, Term & Universal Life Accident, Short-Term Disability and Critical Illness policies, and other ancillary benefit products. WesBanco also offers 401(k) with employee match.

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