CNB Bank, Mortgage Underwriter (Home Equity)

Mortgage Underwriters are detailed-oriented people who will thrive in a time sensitive and sophisticated environment. Underwriters provide support to the Home Equity Team Leader, Mortgage Origination Team, and Lenders. They proactively work with lenders and clients to analyze Home Equity application files to determine product qualifications, while ensuring documentation collected and calculations meet internal policy and ensure compliance standards are being met.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Collaborate with lenders, clients, administrative staff and management to ensure that complete and accurate documentation has been received and analyzed for qualification
• Accurately calculate a variety of different income situations
• Provide timely communication and follow up on assigned loan files 
• Appropriately prioritize efforts and focus on timeliness in a fast-paced work environment
• Ensure documentation collected and calculations meet internal policy and compliance standards
• Provide support to the lenders and Home Equity Team Leader

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect: Speak to others with kindness, empathy, and fairness
• Client Focus: Deliver consistent, high-quality service that builds trust and loyalty
• Inclusion: Encourage diverse viewpoints and contributes in group collaborations

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership: Demonstrate ability to positively influence others to achieve
• Integrity: Strong business ethics and honest behaviors
• Collaboration: Positively works with others to produce excellent results
• Volunteerism: A recognized and visible presence in serving our communities

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability: Personal responsibility for assigned loans, areas and actions
• Innovation: Applies creative thinking and forward-looking solutions to drive continuous improvement and adapt to evolving challenges
• Professionalism: Reflects skill, good judgment, and positive conduct

POSITION LEVEL(S) EXPECTATIONS

• Level I: Basic functions of the LOS system for underwriting, simple income calculations for all employment types
• Level II: Intermediate knowledge of the LOS system for underwriting, intermediate income calculations for all employment types
• Level III: Intensive knowledge of the LOS system for underwriting, complex income calculations for all employment types. Ability to underwrite Private Banking loans

*Additional training/certificates may be required for Level III

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Seek out opportunities to advance knowledge of rules and regulations that impact the residential mortgage lending process, both internal and external. Monitors industry and compliance changes and advancements. Advancement in this career may include demonstration of outstanding loan underwriting abilities, proven leadership, training new department employees, may act as a back up to the team leader and/or team leader promotion.

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required. Secondary education with related experience preferred. A background screening will be conducted. 

Position level will be commensurate with knowledge, experience and education.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate with clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction system, Empower, statement processing system, and any other computer programs pertinent to performing job duties. 
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation. 
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.  

This position operates professionally in an office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER: This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.  

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match 
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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