SUMMARY

This position is responsible for the underwriting duties associated with First United Bank mortgage loans in accordance with all bank, investor, and regulatory requirements.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

Actively cooperates and interacts with all entities of First United Bank.

Performs credit and property analysis on conventional and government (FHA, VA, Section 184, and USDA) loan files submitted within the time frame established by departmental management.

Adequately and effectively explains in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers.

Performs timely reviews as set per management of new file submissions and conditions submitted, as well as loan resubmissions.

Analyzes challenging loan packages to render sound credit solutions per First United Bank guidelines.

Provides exemplary customer service to both internal staff and external customers by explaining credit decisions and offering alternative options when needed to internal staff.

Maintain quality and production standards as defined by First United Bank business management.

Performs timely reviews of conditions submitted, as well as loan resubmissions.

Processes agency/investor exception requests as needed.

Reviews mail and email, and responds to voice mail in a timely manner.

Uses conversation log or memo sections in the current loan entry program each time a file is accessed or handled to accurately note progress of file.

Offers loan options to sales team.

Attends mortgage department underwriting meetings as required by management.

Performs other job-related duties and special projects as required.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Performs other duties as requested by Executive Management or Supervisor.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.
• Recommends to supervisor possible methods to improve department.
• This is a hybrid position based in Plano TX. Candidates must be able to work out of the Plano office a minimum of two days per week. Only local candidates will be considered.

EMPLOYEE SPECIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

• Bachelor's degree in related field or High School diploma/GED plus minimum of 10+ years of frontline mortgage underwriting experience. Recent FHA and VA experience (DE/SAR) required.

Technical/Functional Competencies

• Government underwriting experience required.
• Experience with and knowledge of property and credit underwriting requirements of FNMA, FHLMC, HUD, VA and private mortgage insurance companies.
• Excellent oral and written communication skills are required.
• Good analytical, problem solving, organizational and communication skills needed
• Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff.
• Experience with Encompass, Data Verify and Loan Beam is a plus.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

Human Resources Approval:

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Executive Mgmt Approval:

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If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at for assistance.