Underwriter Jobs At First Citizens Bank

National Account UW GB - UO08JE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. Experience: * Responsible for the overall management of Group Life & Disability underwriting (5,000 or more lives) for National Accounts. * Includes all pre and post-sale underwriting, profit management, renewal processing, policy issue and changes for assigned business segment. * Demonstrates a solid, consistent technical proficiency of underwriting guidelines and underlying risk management philosophy. * Establishes solid relationships with all internal and external business partners. * Actively drives and participates in an assigned amount of project work and special assignments. * Partners with the field to ensure deliver on service goals. * Quotes new business opportunities for Core products and underwrites renewals. * Works directly with sales representatives and brokers on new business, renewals, and service issues * Demonstrates advanced understanding of the elements of pricing to include risk factors, retention, and reinsurance. * Interfaces with the sales force regarding underwriting issues and decisions * Negotiates prices and benefits with sales representatives and brokers. * Look to leverage additional resources around key cases to facilitate better risk management, stimulate innovative thinking, provide creative solutions and potentially different perspectives. * Seek to understand your individual marketplace dynamics and those of the general market to maximize our chances of success. You'll Be a Good Match if You Have: * A customer-first mindset, putting our customers at the center of everything you do. * A passion for making decisions through both analyzing h data and employing critical thinking skills. * A team spirit and desire to work collaboratively. * A financial mindset to help make the best decisions. * Ability to own our work and following through on commitments. * Ability to decipher and execute within a fluid and changing business environment. * An understanding of how to build relationships and trust among diverse groups. * The ability to advance their careers into technical OR leadership positions. Qualifications: * Bachelor's Degree strongly preferred, or equivalent combination of education, training, and experience * 2+ years of Group Benefits underwriting experience * Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. * Excellent communication, interpersonal and presentation skills * An ability to think analytically about business problems, make recommendations and propose solutions. * High energy self-starter, who is resilient and has an entrepreneurial spirit. * Demonstration of solid time, organizational, and desk management skills * Goal-oriented and delivers outcomes. * Ability to challenge the status quo and compete to win. * Superior technical knowledge and sound decision-making and analytical skills This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise. Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $64,640 - $96,960 Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Culture & Employee Insights | Diversity, Equity and Inclusion | Benefits

National Account UW GB - UO08JE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. Experience: * Responsible for the overall management of Group Life & Disability underwriting (5,000 or more lives) for National Accounts. * Includes all pre and post-sale underwriting, profit management, renewal processing, policy issue and changes for assigned business segment. * Demonstrates a solid, consistent technical proficiency of underwriting guidelines and underlying risk management philosophy. * Establishes solid relationships with all internal and external business partners. * Actively drives and participates in an assigned amount of project work and special assignments. * Partners with the field to ensure deliver on service goals. * Quotes new business opportunities for Core products and underwrites renewals. * Works directly with sales representatives and brokers on new business, renewals, and service issues * Demonstrates advanced understanding of the elements of pricing to include risk factors, retention, and reinsurance. * Interfaces with the sales force regarding underwriting issues and decisions * Negotiates prices and benefits with sales representatives and brokers. * Look to leverage additional resources around key cases to facilitate better risk management, stimulate innovative thinking, provide creative solutions and potentially different perspectives. * Seek to understand your individual marketplace dynamics and those of the general market to maximize our chances of success. You'll Be a Good Match if You Have: * A customer-first mindset, putting our customers at the center of everything you do. * A passion for making decisions through both analyzing h data and employing critical thinking skills. * A team spirit and desire to work collaboratively. * A financial mindset to help make the best decisions. * Ability to own our work and following through on commitments. * Ability to decipher and execute within a fluid and changing business environment. * An understanding of how to build relationships and trust among diverse groups. * The ability to advance their careers into technical OR leadership positions. Qualifications: * Bachelor's Degree strongly preferred, or equivalent combination of education, training, and experience * 2+ years of Group Benefits underwriting experience * Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. * Excellent communication, interpersonal and presentation skills * An ability to think analytically about business problems, make recommendations and propose solutions. * High energy self-starter, who is resilient and has an entrepreneurial spirit. * Demonstration of solid time, organizational, and desk management skills * Goal-oriented and delivers outcomes. * Ability to challenge the status quo and compete to win. * Superior technical knowledge and sound decision-making and analytical skills This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise. Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $64,640 - $96,960 Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Culture & Employee Insights | Diversity, Equity and Inclusion | Benefits

As an In-Office Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to Bank Statement, DSCR (Debt Service Coverage Ratio), and Asset Depletion loans. Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy. Key Responsibilities: Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans. Underwrite and approve or deny loan applications based on the company's guidelines, policies, and regulatory requirements. Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues. Ensure loan files are complete, accurate, and compliant before final approval or denial. Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products. Provide guidance and support to junior underwriters and other team members as needed. Maintain a high level of productivity and quality assurance while meeting deadlines. Requirements: Minimum of 3+ years of experience in underwriting Non-QM loans. Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products. Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans. Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail. Excellent communication skills, both written and verbal. Ability to work independently and as part of a collaborative team. Strong organizational and problem-solving skills. Salary: 90-110kThank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters. Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The underwriter reviews applications to ensure the loan information is complete and meets all GreenState lending policy guidelines and regulatory guidelines. The underwriter is responsible for the approval and denial of all loan applications submitted based on his/her lending authority. GreenState Culture: At GreenState, we exist to create lasting value for those we serve. We do this by putting immense value into our employees, members and communities. We empower our employees to create endless opportunities, which will then impact the lives of our members and enhance the vitality of our communities. Salary range for this position is $90,593.36 - $105,914.12/yr with a progressive benefit package. Essential Duties and Responsibilities Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change. Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision. Demonstrates a positive member service (internal and external) focus at all times. Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. Ensures confidentiality of member information. Supports a diverse and inclusive work environment. Within Mortgage Department Standards: Reviews files for all first mortgage loans to ensure the loan information is complete and meets all GreenState and secondary market lending guidelines. Responsible for decisioning of all submitted mortgage loan applications following GreenState portfolio, and secondary market guidelines and procedures and investor overlays as applicable. Responsible for ensuring the quality of the loans and that they are in compliance with state/federal and investor regulations and guidelines and within GreenState policies and procedures. Reviews file for property collateral; review appraisals of property verifying that all requirements of the investor are met. Reviews loan documentation and conditions file to ensure accuracy and completeness to adhere to underwriting guidelines. Consults with Senior Underwriter to determine any loan specification revisions needed to ensure approval without comprising risk/pricing policy and in cases of denial or noncompliance. Works with mortgage post- closing department when necessary to ensure final documentation is received by the investors in a timely manner. Makes recommendations for changes to GreenState underwriting guidelines, policies, and procedures regarding real estate loan products. Responds to Quality control findings to resolve deficiencies. Maintain current understanding of all investors, state and federal guidelines, which include knowledge of Regulation Z (Truth-in-Lending), Regulation C (HMDA), and all other regulations that would have implications for GreenState's lending abilities. Stay abreast of requirements and guidelines for delegated programs, products and/or services. Job Requirements/Expectations Two or more years mortgage underwriting experience or Five or more years of experience in a mortgage loan support role involving knowledge of approval and guideline processes. Knowledge of FNMA/FHLMC/ guidelines. Ability, availability and willingness to work flexible hours to accomplish workload during periods of peak demand. Ability to prioritize, organize, and process tasks accurately and efficiently to manage pipeline. Excellent analytical and decision-making skills. Ability to work with multiple priorities to meet turn times and maintain control in high stress situations to ensure quality service levels. Ability to work independently and as part of a team. Knowledge of procedures, forms, secondary market guidelines and regulations as they relate to mortgage lending. Effective and strong oral and written communication and interpersonal skills. Ability to use a personal computer and related software including Word, Excel, and mortgage loan origination system; and ability to use mortgage loan financial calculators. Must be bondable Reporting Relationship This position reports to the VP Mortgage Underwriting. Supervisory Responsibilities This position is not responsible for the supervision of others. Equal Opportunity Employment Statement GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union. #LI #ID

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: Accesses risk regarding the applicant's financial status, with regard to credit and income. Must have the ability to read and analyze tax returns and financial statements. Evaluates property appraisal to determine compliance with appropriate guidelines. Has knowledge of all federal and state regulations regarding lending and related departments. Maintains awareness of current and ever changing investor/agency/government guidelines. Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. Assists in answering questions to the underwriting scenario help desk. Develops and maintains knowledge of financial industry, economy and market conditions. Completes annual compliance courses. Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. Adheres to all levels of our Service Excellence standards. Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience : These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

* Must have SAR & DE Certification The Position of Mortgage Loan Underwriter II is responsible for analyzing and evaluating residential mortgage applications for approval and sale on the secondary market and in house. Loans are underwritten in a manner to ensure compliance with Bank policies and procedures, State and Federal Regulations, Agency, Government and investor guidelines. This would be a senior level in the underwriting field. ESSENTIAL FUNCTIONS: * Accesses risk regarding the applicant's financial status, with regard to credit and income. * Must have the ability to read and analyze tax returns and financial statements. * Evaluates property appraisal to determine compliance with appropriate guidelines. * Has knowledge of all federal and state regulations regarding lending and related departments. * Maintains awareness of current and ever changing investor/agency/government guidelines. * Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies. * Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans. * Assists in training the mortgage department staff as well as the processors and loan officers on underwriting guidelines. * Assists in answering questions to the underwriting scenario help desk. * Develops and maintains knowledge of financial industry, economy and market conditions. * Completes annual compliance courses. * Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. * Adheres to all levels of our Service Excellence standards. * Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. A high school diploma or general education degree (GED) is required. Ten years of underwriting experience or multiple underwriting designations from FHA, VA and/or USDA. Work related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.