Description

This position is hybrid, requiring a minimum of 3 days per week on-site at a Huntington corporate office and up to 2 days per week from home.

Underwrite residential first mortgage files received from mortgage loan originators and/or mortgage brokers to ensure that all credit and compliance documents are included for final review and approval.

• Underwrite residential first mortgage files (conventional FNMA, FHLMC. Government, FHA/VA & Bond. Diverse portfolio including CRA throughout bank footprint.
• Confidence in underwriting risk-based portfolio product set from our Wealth Management Group. 
• Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
• Adhere to all department service level standards for communication, production, and turn-time
• Supportive environment that offers autonomy, customer service and a commitment to doing it right.

Basic Qualifications:

• High school diploma or equivalent
• 3 or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC)

Preferred Qualifications:

• Must obtain DE Designation within a timeframe established by management
• Underwriting experience with VA/FHA/USDA preferred
• FHA Direct Endorsement and VA LAPP Authority preferred
• Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
• Strong cash flow analysis skills reviewing complex personal and business tax returns, P&L statements and financial statements
• Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
• Proficient with loan origination software, Desktop Underwriter and Loan Prospector
• Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc
• Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
• Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
• Ability to work in a high volume environment with minimal supervision, while maintaining production service levels
• Strong analytical skills with attention to detail
• Customer service oriented
• Ability to multi-task while maintaining a high-level of flexibility

#LI-Hybrid

#LI-NA1

Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Workplace Type:

Huntington is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position

This employer will not sponsor applicants for the following work visas: F-1 student, H-1B worker, O-1 worker, TN worker, E-3 worker. Applicants must be currently authorized to work in the United States on a full-time basis.