Job Description

Job Description

Job Description

JOB TITLE:

Residential Mortgage Underwriter

LOCATION:

Whitehall, OH

STATUS:

Full Time

FSLA JOB CLASS:

Exempt

REPORTS TO:

Mortgage Operations Manager

REQUIRED TRAVEL:

<5%

DIRECT REPORTS:

No

IN OFFICE OR REMOTE:

In Office

If working for a company with an empowered group of individuals dedicated to the financial well-being of their customers is appealing to you, look no further than Heartland Bank!

At Heartland Bank, our goal is quality – in our work, in our play and in our people. We value our ability to attract and retain talented professionals, as this is the bottom line for excellent customer service. We know our goals are auspicious and we wouldn't have it any other way!

Heartland has an immediate opening for a Residential Mortgage Underwriter at the Corporate Center in Whitehall, OH. This position is an in-office role.

In this highly visible role you will provide underwriting and assisting with credit risk processes for the bank’s residential and mortgage loan applications. Perform the necessary functions associated with reviewing, analyzing, and evaluating loan requests for credit worthiness and credit decisions (approve, modify, decline) in accordance with lending authority, regulations, investor guidelines, bank policies and procedures, risk philosophy and credit culture. Working in a team and collaborative setting, will provide credit and financial analysis for prospective and existing consumer borrowers. Make and assist with independent decisions through evaluation of borrower credit reports, financial statements/tax returns and other underwriting information. Contribute to portfolio performance and underwriting-based observations. A strong desire for developing and increasing credit proficiency is required to ensure an environment of continuous learning and incorporation of training in daily processes. Oversee, mentor and develop consumer underwriting team and provide, including providing feedback and coaching for operational excellence.

A typical day might include the following:

• Evaluate and ensure that all transactions are accurate, complete, and compliant.
• Maintain a thorough understanding of state and federal laws and regulations including bank secrecy, anti-money laundering, TRID, RESPA, Fair Lending and Truth in Lending laws and guidelines.
• Extensive knowledge of FNMA/FHLMC, FHA, VA and USDA program guidelines.
• VA LAPP-SAR and FHA DE Required.
• Experience analyzing financial statements for high-net-worth borrowers.
• Perform income and tax return analysis to determine ability to repay.
• Train and guide lenders and processors in underwriting and appraisal guidelines and use of Mortgage underwriting systems.
• Champion workflow processes to improve efficiencies.

• Provide support to regulatory exams, internal and external audits, and support FHLB workflow with reports and related exam functions.

• May assist with preparation of monthly reports such as exceptions tracking.
• Participate in all required training sessions for compliance and maintain adequate controls to ensure compliance with all statutes/regulations.
• Implement bank-directed policy and changes relating to regulatory amendments.

• Provide conditional approval to assist consumer loan processors and lenders toward approval.
• Manage FHLB workflow with reports and audit functions.
• Mentors, develops, and supports Underwriting team members including providing performance feedback.

THIS ROLE MIGHT BE THE RIGHT FIT FOR YOU IF:

• You Live Our Values . You demonstrate Heartland’s shared values and do the right thing, even when no one is watching.
• You Achieve Results . You meet and exceed goals through teamwork. You grow and apply job knowledge and have focused execution.
• You Coach and Lead . You have strong communication. You are focused on performance development and foster positive relationships and trust.
• You Hustle . You possess a driven work ethic to succeed and respect focused collaboration.

Job Requirements:

• Associates Degree in Finance, Accounting, Business or related field or equivalent industry experience

Additional Eligibility Requirements:

• Minimum of 3 years working in mortgage lending environment
• Must have working knowledge of regulations pertaining to Mortgage Lending, Fair Lending, and consumer underwriting.

Computer/Software Competencies

• Systems include Microsoft Suite including Outlook, ARTA, CBC, AUS, Encompass, Fiserv Navigator and Director.

Work Environment and Physical Demands

• Climate controlled office environment with varying noise levels
• Walking, Bending, Standing (<1/3 of the time)
• Sitting (1/3-2/3 of the time)
• Vision (up close and distance >2/3 of the time)
• Hearing (over telephone and in person >2/3 of the time)
• Speaking (over telephone and in person 1/3 of the time)

WHAT’S GREAT ABOUT WORKING AT HEARTLAND?

• Competitive comp and benefits package that includes: medical/dental/vision/life insurance
• 401(k) up to 4% of salary match
• Company-paid holidays
• Generous Paid Time Off
• Maternity/Paternity Leave
• Education Reimbursement
• On-site Fitness Center
• Free Checking and Savings Accounts
• Mortgage Discount Program

Heartland Bank is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or protected Veteran status.

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