Mortgage Underwriter

JOB SUMMARY

Responsible for reviewing all documentation, performing analysis and making judgment on loan applications; Complies with all regulations which apply within the scope of the position, including Bank Secrecy Act.

RESPONSIBILITIES

• Perform a variety of mortgage loan documentation duties and ensure all tax, title, insurance and closing documentation are in place;
• Review appraisal to ensure accuracy and thoroughness to warrant the loan; Specify closing conditions;
• Review and ensure applicant’s income, financial statements, credit history, debt ratios and savings;
• Approve applications for closing and funding and ensure all applicable regulations are met;
• Collaborate with team members to identify potential solutions/exceptions for denied loan files;
• Provide superior customer service while maintaining knowledge of available loan products;
• Perform other duties as assigned.

QUALIFICATIONS

• EDUCATION: High School Diploma or equivalent.
• EXPERIENCE: Minimum 2-4 years of mortgage banking experience specific in underwriting; technical history with FHLMC, FNMA, FHA, VA or equivalent mortgage products.

SKILLS/ABILITIES

• Strong analytical and auditing skills along with a firm grasp on math
• good decision-making skills backed by relevant details and research
• knowledge pertaining to mortgage regulations
• excellent computer skills
• customer service and communication skills
• ability to handle delicate situations with diplomacy and tact

Applicants must be authorized to work in the United States without the need for visa sponsorship now or in the future.

WHY WORK FOR US?

Since opening our first branch in Los Angeles in 2008, Royal Business Bank (RBB) has grown rapidly by adding branches in Southern California, Nevada, New York, and Chicago. We offer a comprehensive and innovative suite of banking services for individuals and businesses. We have great benefits that include, but not limited to:

• Medical insurance
• Vision insurance
• Dental insurance
• 401(k)
• Disability insurance

Royal Business Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our Privacy Policies (GLBA Privacy Notice, California Consumer Privacy Act and Online Privacy) at our website www.royalbusinessbankusa.com. Royal Business Bank is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.