Loan Underwriter - Residential

Maintains extensive knowledge of all aspects of conforming and non-conforming residential mortgage lending, including programs sponsored by US Department of HUD, Rural Development Agency, VA, FannieMae and FreddieMac. Packages, sells and services secondary market residential mortgages. Maintains an accurate awareness of the credit quality of the portfolio(s) and the inherent credit risk. Coordinates the loan process for assigned files to ensure all necessary steps are completed properly for closings. Includes directing property appraisals, coordinating necessary documents with attorney and/or title insurance company. Analyzes application packages and makes recommendations for approval or rejection of loans within the Banks lending policy for consumer credit including credit card, ready credit, installment loans, time notes, small business lending and real estate secured loans including Home Equity Line of Credits. Utilizes assigned lending authority and works with Chief Credit Officer for credits over approval limit. MINIMUM QUALIFICATIONS Job Specific Knowledge, Skills & Abilities: Thorough knowledge of the features and benefits of all bank retail lending products and services. Working knowledge of bank operating policies and procedures that impact lending. Considerable knowledge of all federal and state lending regulations Broad knowledge of loan documentation and collateral policies and regulations. Ability to interpret and apply laws, policies and procedures. Ability to communicate effectively with all contacts; ability to read, write and speak English effectively. Ability to perform basic math (add, subtract, multiply, divide, simple analysis). Ability to view and analyze problems from different angles, and to identify and solve issues. Ability to establish work priorities and remain flexible; ability to efficiently respond in an effective manner to a variety of demands in fast-paced environment. Ability to adapt effectively to change. Demonstrated organizational skills, attention to detail, multi-tasking and accuracy skills. Strong customer service and interpersonal skills. Ability to maintain use of discretion. Proficient computer skills including spreadsheet analysis. Demonstrated independent judgment and decision-making abilities. Education and/or Experience: High school diploma or equivalent required. Minimum four (4) years experience in related positions normally required. Associates degree in a related field of study normally required Bachelors degree in a related field of study preferred. Applicants can apply online at https://www.tiogabank.com/resources/about/careers/ Affirmative Action Employer, Veterans and Disability