Mortgage underwriter entry level jobs

State Bank, a growing Community Bank, has an opportunity for a self-motivated and detail-oriented individual to join our team of mortgage loan processing professionals. We are seeking a Full Time Mortgage Loan Processor I to work in either our Defiance corporate office or our Dublin Office. This position is responsible for a variety of duties to support the mortgage loan processing function, including coordinating work within the department as well as other departments, and providing exceptional internal and external customer service. State Bank offers an extensive benefits package including paid vacation and PTO, medical/dental/vision insurance, company-paid life and AD&D insurance, a company-matched 401(k) retirement plan, company-provided short and long-term disability, monthly incentive payouts, a community volunteer program, and growth opportunities. Apply today! Equal Opportunity Employer

The Mortgage Banker is responsible originating high-quality mortgage and equity loans, while providing excellent service to borrowers and referral sources. This individual also cross-sells bank products and services, while participating as an active member of regional teams. Essential Functions Originate permanent conventional and FHA/VA/RD residential mortgage loans, with purposes of purchase, refinance and construction for the centralized channel (Internet, phone, LOS/CRM referrals), home equity loans and lines of credit for the centralized channel (Internet, phone, LOS/CRM referrals), and obtain appropriate financial and credit data to properly disclose and analyze level of risk Assist with borrower communication for construction loan overflow Manage mortgage activity according to bank strategies Interview borrowers to initiate complete, accurate and timely loan applications and disclosures Meet timelines associated with regulatory disclosures Work with processing center to streamline the process from application to closing Maintain thorough knowledge of core lending products and rate/fee structure, thorough knowledge of loan origination system, and working knowledge of related systems Understand borrower needs and recommending appropriate loan products Comply to investor, insurer, and bank policies and procedures Understand and comply with mortgage industry regulations, including the Qualified Mortgage, Dodd-Frank, Home Mortgage Disclosure Act, Fair Credit Reporting Act, the Real Estate Settlement Procedures Act, the Community Reinvestment Act, Mortgage Disclosure Improvement Act, Truth-in-Lending laws, etc. Keep informed of changing rules and regulations, and local real estate and economic trends and developments that may affect loan quality or production Exercise good credit judgment to decision loans within the Retail Loan Policy and individual loan authority limits Ensure loan decisions and recommendations are based on accurate information Manage confidential and sensitive information appropriately Respond to Quality Control reviews in a timely manner Monitor and understand performance of individual portfolio Pro-actively call on abandoned mortgage online applications Respond to online requests for contact via Northwest website Maintain thorough knowledge of all Northwest products and services and actively recommending cross-selling opportunities, and of competitor products and recommending enhancements to NWSB products Promote and maintain a favorable image for the Bank, and customer loyalty by providing superior service to each customer and referral source Work cooperatively with referral sources and mortgage production staff Project professional image that inspires confidence and trust Manage flexible schedule to meet customer needs Ensure compliance with Northwest's policies and procedures, and Federal/State regulations Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency Work as part of a team Work with on-site equipment Qualifications Bachelor's Degree in related subject preferred Registration with NMLSR and annual renewal Registering with the Registry and maintain registration Obtaining a unique identifier through the Registry Providing MLO unique identifiers to consumers Upon Hire required 3 - 5 years lending/banking experience, knowledge of secondary market and regulatory guidelines, customer service and sales experience preferred Ability to analyze financial data The base salary plus commission for this position is generally $65,000-$72,000 per year. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available. #LI-MM1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

M/I Homes has been building new homes of outstanding quality and superior design for more than 40 years. Founded in 1976 by Irving and Melvin Schottenstein and guided by Irving's drive to always "treat the customer right," we have fulfilled the dreams of over 140,000 homeowners and grown to become one of the nation's leading homebuilders. M/I Homes started as a family business and grew into a national leader in a single generation with divisions in 17 markets, including Austin, Charlotte, Chicago, Cincinnati, Columbus, Dallas, Detroit, Ft. Myers/Naples, Houston, Indianapolis, Minneapolis, Nashville, Orlando, Raleigh, San Antonio, Sarasota, and Tampa. Job Summary Performs administrative tasks to support the review of FHA, VA and Conventional loan applications and corresponding documents to Automated Underwriting System (AUS) cases. Relies on instructions and pre-established guidelines to perform functions of the job. Works under immediate supervision. Duties and Responsibilities Provides back-up support to the underwriting staff by performing the following tasks: * Communicates with Branch Managers and Loan Officers regarding questions and concerns related to loans and applications * Assists in the development of alternatives for solving difficult loan scenarios. * Facilitates messaging within the UW department for general and escalated issues. * Calculates loan-to-values, qualifying ratios * Reviews current updates and bulletins on underwriting guideline manuals. * Other duties as required. Minimum Education Experience: Associate's degree (A.A.) or equivalent in specialized training from a two-year college or technical school combined with one to 3 years of related experience and/or training; knowledge and understanding of mortgage underwriting terminology and guidelines. Skills and Abilities: * Ability to research and evaluate given information relative to underwriting guidelines and lender requirements. * Good customer service orientation. * Excellent verbal and written communication skills for interaction with a variety of people inside and outside of the organization. * General administrative skills including typing, filing and use of computer, calculator, copier and facsimile machines. Work Conditions: Weekend work may be required. M/I Homes offers a comprehensive benefits package, including medical, dental, vision, paid time off and paid holidays, paid parental leave, traditional and Roth 401(k) options, profit sharing plan, employee stock purchase plan, employee home purchase plan and more. We are committed to attracting, developing, and retaining diverse talent that reflects the customers we serve and the communities where we live and work. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing. #IND123