Mortgage Loan Underwriter- This Is Not A Remote Position

Join the team of financial professionals at Hilltop Bank!

Apply today! We are seeking qualified candidates!

Hilltop Bank is looking for friendly, motivated individuals to be a part of our team. Join Casper’s highly experienced and professional staff—the finest in banking. With our competitive pay and excellent benefits, we are able to maintain highly qualified staff, which allows us to provide our customers exceptional service.

As a locally owned and operated bank, our employees are the reason for our continued growth and highly regarded reputation throughout the state of Wyoming.

DESCRIPTION: Responsible for the review, evaluation, and approval/denial of mortgage files and appraisals based on Hilltop Bank’s policies, secondary market requirements and applicable regulations.

PRIMARY DUTIES/ RESPONSIBILITIES:

• Review and evaluate Conventional, FHA, VA, and USDA/RD appraisals to determine adequacy of collateral and adherence to all agency and/or investor requirements and regulations.
• Determine whether credit, income and source of funds are stable and adequate for repayment and meet all applicable guidelines and requirements by reviewing and evaluating supporting documentation.
• Assists in development and maintenance of consistent underwriting practices and procedures including the banks Quality Control program. Works closely with the Real Estate Manager to ensure compliance of regulations including HMDA.
• Documents loan rejections, specifying investor and institution guidelines and basis for declining applications, such as insufficient cash reserves, adverse credit, unacceptable income-debt ratios, and employment stability.
• Maintains open communication with the loan processor, loan officer and post-closer.
• Review and evaluate information in a mortgage loan application to ensure the loan is in compliance with agency and investor guidelines, regulations and banks policies and procedures.

QUALIFICATIONS:

• Knowledge of mortgage loan related regulations preferred.
• Highly organized and able to prioritize
• Proficiency in Microsoft Office and automated underwriting systems.
• Detail oriented with strong data analysis skills.
• Preferred: Two years of mortgage lending, mortgage processing and/or mortgage underwriting experience. (FHLMC, FHA, VA, FNMA, conventional, etc.) and financial analysis background. FHA-DE and/or VA-LAPP approval and appraisal review designations preferred.
• Good communication skills, both verbal and written.
• Intermediate typing skills to meet production needs of the position.
• High mathematical aptitude.

Hourly wage is determined by the individuals experience and skill set.

For more information or to apply visit our website at www.hilltop.bank

Hilltop Bank is an EEO Employer.

Job Type: Full-time

Benefits:

• Paid time off
• 401(k)
• 401(k) matching
• Health insurance
• Dental insurance

Schedule:

• Monday to Friday
• Day shift
• 8 hour shift

Work Location: One location