Underwriter Residential and Consumer Lending

Basic Qualifications Education/Training: High School Diploma or equivalent. Minimum of five to seven years of progressive experience in residential underwriting. Current knowledge of FNMA/FHLMC underwriting guidelines, Dodd-Frank regulations and ability to learn and understand guidelines for secondary market investors, portfolio loans, etc. Skills: Proficient in English, written, verbal and interpersonal communication skills. Strong time management skills, proficient PC skills including Microsoft office. Through knowledge of bank products and services. Ability to manage multiple tasks in a fast-paced, changing environment with professionalism and courtesy. Excellent analytical, reasoning and organizational skills. Knowledge of Origination Systems including Encompass 360. General Responsibilities The Underwriter Residential and Consumer Lending will review loan files for adherence to FNMA, FHLMC, investor, private mortgage insurance and Bank Loan Policy underwriting guidelines. The position will underwrite the Banks consumer loan products including Home Equities and personal loans, secured and unsecured. Essential Duties and Responsibilities Recommending portfolio underwriting decisions to Chief Residential Loan Officer and/or Loan Committees. Examines loan documentation for accuracy and completeness. Aiding in resolution of mortgage application issues with investors, outside sources and software vendors. Establishing and clearing approval conditions, reviewing AUS findings and presenting files to Investors and FCB Senior Management/Loan Committee. Assure adherence to compliance, investor, federal regulations (including Dodd-Frank) and Bank policies. Prepares and submits files to secondary market investor if applicable Essential Duties and Responsibilities Recommending portfolio underwriting decisions to Chief Residential Loan Officer and/or Loan Committees. Examines loan documentation for accuracy and completeness. Aiding in resolution of mortgage application issues with investors, outside sources and software vendors. Establishing and clearing approval conditions, reviewing AUS findings and presenting files to Investors and FCB Senior Management/Loan Committee. Assure adherence to compliance, investor, federal regulations (including Dodd-Frank) and Bank policies. Prepares and submits files to secondary market investor if applicable Job Location All levels 1700 Avenue of the States Suite 301 Lakewood, NJ