- Must be a Direct Endorsement (DE) Underwriter
- High School Diploma or equivalent education or experience.
- Customer service experience.
- Effective verbal and written communication skills.
- Well organized with the ability to manage multiple tasks and work to time sensitive deadlines.
- Ability to work well independently and in groups.
- Working knowledge with Microsoft Office Programs; Excel and Word.
- Must be a Direct Endorsement (DE) Underwriter
- An Associate's degree, or higher, in business related field.
- Hiring, placement, upgrading, transfer, demotion or promotion
- Recruitment, advertising or solicitation for employment
- Treatment during employment
- Rates of pay or other forms of compensation
- Selection for training, including apprenticeship
- Layoff or termination
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Senior Underwriter - Albany, United States - Trustco Bank
Description
false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 SUMMARY:
The Senior Underwriter's primary responsibility is to manage the underwriting portions of the residential lending process to include secondary market residential loans.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by the supervisor and/or Trustco Bank's Board of Directors.
Evaluate and ensure all loan documentation is accurate, complete and compliant.
Analyze the cash flow and financial condition of the borrower. Review financial statements, credit reports, applicable ratios, loan-to-value ratio and other supporting documentation.
Review property appraisals to ensure they meet the banks policies, guidelines and practices.
Effectively and efficiently, maintain standard underwriting turnaround time for loan decisions.
Maintain and ensure adherence to all state and federal regulations affecting the underwriting and issuance of credit to borrowers.
Maintain current knowledge of all loan products and origination requirements.
REQUIRED EDUCATION/EXPERIENCE:
PREFERRED EDUCATION/EXPERIENCE:
POSITION TYPE/EXPECTED HOURS:
This is a full-time position. Office hours Monday – Friday 8:30am – 5:00pm and some Saturdays. Evening and weekend work may be required as job duties demand.
TRAVEL:
Travel using personal vehicle, occasional overnight travel. Valid driver's license required.
LANGUAGE SKILLS:
Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus.
PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone.
Ability to communicate both in person and/or by telephone.
WORK ENVIRONMENT:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
For the most part, ambient room temperatures, lighting and traditional equipment as found in a typical office / retail environment.
OTHER DUTIES:
Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job.
AFFIRMATIVE ACTION PLAN/EQUAL EMPLOYMENT OPPORTUNITY STATEMENT:
Trustco Bank is an equal opportunity/affirmative action employer.
It is the policy of Trustco Bank to take affirmative action in affording equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status.
This includes, but is not limited to, the following:
It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.
