Contract Senior Underwriter
Location
- Spencer, MA
Hours:
- Full Time Hours
- 8:30a-4:30p M, T, W, F and 8a-5p TH
Position Duties:
- Underwrites residential loan applications, conducts analysis of standard credit information, and issues approval or denial of mortgage loans, consumer loans, home equity loans and home equity lines of credit within scope of authority.
- Completes second review of all Consumer non-originated loans
- Assists Bank personnel in consumer loans that do not meet bank guidelines
- Assists Bank personnel in clarifying unusual loan situations, makes recommendations, and provides solutions to meet customers’ needs.
- Ability to underwrite more complex loan applications.
- Researches and responds to supervisor on loans requiring additional escalation and review; has the ability to summarize issues, concerns and recommendations
- Provides back-up support to Supervisor as necessary to ensure efficient operations and smooth and timely flow of work.
- Reviews all residential appraisals for acceptance and addresses concerns with VP-Loan Processing Manager and VP, Retail Loan Operations.
- Evaluates applicant income by analyzing pay stubs, W-2 forms, Federal 1040 tax returns, seasonal unemployment, rental income, DBA income, Schedules C and E, child support/alimony. Also evaluates corporate tax returns, S Corporation returns, K-1 income, Partnership returns, Estate returns and retirement income (social security, pension, IRA, and dividend income).
Position Requirements:
- Strong knowledge of the bank’s mortgage products supported by a firm understanding of the bank’s products and services
- Ability to learn bank’s lending systems; computer skills must include working knowledge of Microsoft Word & Excel
- Must possess excellent communication, organizational, customer service, analytical and interpersonal skills
Pay Rate:
- $45 – 50/ hour
…Pay Statement and Pay Transparency Laws: rate of pay listed is on a per hour basis. You will be entitled to health insurance once employed for 60 days and you must work 30 hours per week, on average, per month to enroll and maintain health insurance through Complete Staffing Solutions. Once both qualifiers are met you must complete the enrollment packet and your benefits will start on the first of the subsequent month. ..It is our policy to provide equal employment opportunity to all individuals regardless of race, color, sex, sexual orientation, religion, disability, age, veteran status, ancestry, national or ethnic origin or any other legally protected class. We are committed to a diverse workforce. We value all employees’ talents and support an environment that is inclusive and respectful. We are strongly committed to this policy, and believe in the concept and spirit of the law.#ZIP
How to apply.
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