Jr. Underwriter - Flushing Bank : Job Details

General Statement of Duties: Responsible for the underwriting within department process timelines of owner occupied and investor-owned residential homes, mixed-use & multi-family properties. Communicate with Management, Loan Officers, Loan Administrators, Closing Department, Portfolio Management, and Review Appraisers on issues pertaining to underwriting. Supervision Received: Supervision is received directly from the VP - Team Leader, Senior Mortgage Underwriter Major Duties and Responsibilities: •Underwriting of owner occupied and investor-owned residential homes, mixed use & small multi-family loans as stipulated in the Banks guidelines and procedures. Recognize credit issues and raise to Management for resolution in a timely manner. •Analyze financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review. •Responsible for quality of data in Loan Origination Systems on assigned loans. •General knowledge of rent guideline restrictions, flood insurance requirements and environmental concerns. •Prioritize workflow. Achieve and exceed work goals for productivity, quality and turnaround time. •Review of appraisals and environmental reports ensure compliance with Banks Policy and bring to the attention of Management any exceptions to Policy or discrepancies in the respective reports. •Work in conjunction with various departments within the Bank Minimum Qualifications: •College degree preferred. •The successful RMU Jr. Underwriter must have loan processing experience and 2 years of owner occupied and investor residential homes, mixed-use buildings and small multi-family property underwriting experience. Familiarity with analysis of personal financial statements, property cash flow, debt coverage, credit reports required. Prior experience working with a computer-based loan underwriting system a plus. Skills & Abilities: •Good verbal and written communication skills as well as the ability to work in a team environment •Good computer skills •Proficient in Microsoft Word and Excel Pay Range: $61,000 - $68,000Hours: 37.50This is a non-exempt position, eligible for overtime if the hours worked are over 40 hours.The actual compensation will be based on qualifications, experience and other factors permitted by law.Other details

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