MidWestOne Bank

  • Mortgage Underwriter

    Status
    Exempt
    Type
    Full-Time
    City
    Stillwater
    State
    MN
    Location : City
    Dubuque
    Location : State/Province
    IA
    Hours Per Week
    40
    Benefits Package
    Yes - Full Time Package
    Location : Address 2
    2270 Frontage Road West
  • Overview

    The Mortgage Underwriter is responsible for underwriting mortgage loan files to secondary market investor(s) and MidWestOne Bank loan guidelines. Ensuring all files are of high credit quality and compliant to all federal and state regulations.

    Responsibilities

    • Responsible for determining credit decision on loan applications for initial file submission.  Review all loan documentation to ensure accuracy, completeness, and compliance with all investor guidelines, MidWestOne loan policy, and federal and state regulations.
    • During review analyze; credit report, income and asset documentation, appraisal, title work, and any additional documentation needed to satisfy investor requirements.
    • Clears conditions on file for final approval.
    • Work as a team with other underwriters, processors and mortgage bankers to help meet closing deadlines and provide an outstanding customer experience.
    • Monitor Underwriting helpdesk mailbox.
    • Participate in departmental projects as required.
    • Work to create a positive, supportive, and fun work environment.
    • Maintain a positive working relationship throughout MidWestOne Bank to promote effective communication.

    Qualifications

    • Seven+ years mortgage experience, strong background in conventional, government and secondary market regulations and guidelines, and working knowledge of the mortgage industry.
    • Excellent communications skills - phone, personal contact and written.
    • Strong desire and ability to work with employees and customers in a co-operative, professional and friendly manner.

    At MidWestOne Bank diversity is embraced and we are committed to equal employment opportunity regardless of race, color, religion, sex, national origin, sexual orientation, gender identity, creed, Veteran status, disability, or any other legally protected status.  If you have a disability or special need that requires accommodation, please let us know. 

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