Mortgage Underwriter

JOB REQUIREMENTS: At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, Iowa, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. The Mortgage Underwriter is responsible for the preparation, processing, and underwriting of mortgage loan files and for evaluating secondary market applications. Mortgage Underwriters are also responsible for working collaboratively with mortgage lenders and processing staff to ensure that the financial needs of Nicolet's customers are met with loan products offered by Nicolet. As a Mortgage Underwriter, you will: Independently screen loan applications to determine loan eligibility of customers by compiling and analyzing personal financial data of the customer, the proposed loan structure or product, and other relevant data that, in the Mortgage Underwriter's discretion, the Mortgage Underwriting finds may materially impact the customer's ability to pay the proposed loan to Nicolet. Approve or reject loan applications based on the Mortgage Underwriter's findings and, when appropriate, propose an alternative loan structure or product. Prepare written confirmation of findings including, but not limited to, system coding, denial notice preparation, HMDA coding, and uploads into Director record-keeping system. Exercise discretion and independent judgment to assess loan quality of proposed loans by to confirm that the loan file, as approved, is underwritten to reasonably comply with specific GSE guidelines and investor overlays to decrease potential for loan repurchase. This includes interpreting relevant guidelines that may be issued by federal or state agencies or investors and conducting research to make underwriting decision. Attention to detail is critical. Establish underwriting conditions needed to clear loans to close and communicate those conditions to lenders and processors. Work as liaison between investors and lenders... For full info follow application link. An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. If you have any questions or need assistance in the application process, please contact HR at [email protected] ***** APPLICATION INSTRUCTIONS: Apply Online: ipc.us/t/8C88A620BF6F4188