Job Title: Mortgage Underwriter I

Location: Lending Center

Department: Personal Lending Department

Reports To: Andrew Boulter

Employment Type: Full Time

Position Summary

• The Mortgage Underwriter I is responsible for reviewing and assessing residential mortgage loan applications to ensure adherence to established underwriting standards, regulatory requirements, and the Bank’s policy. This role will evaluate borrower qualifications, analyze financial documentation, and work with the Loan Officer to determine the overall risk associated with each loan decision. The Mortgage Underwriter I will work with Loan Officer’s and other origination staff to facilitate timely approvals while maintaining sound credit practices, compliance, and exceptional customer service.

Key Responsibilities

• Review Mortgage and Home Equity application documentation for accuracy
• Analyze borrowers’ employment history, financials, credit reports, asset statements, liabilities, etc. to determine eligibility for financing
• Underwrite loans in accordance with Bank Policy, State and Federal laws and regulations, and any other guidance issued by partner organizations of WSB
• Identify and communicate application deficiencies to the Loan Officers
• Maintain high level of service and professionalism both internally with coworkers and externally with customers
• Monitor personal pipeline to ensure files are moving timely and efficiently
• Perform other duties as assigned.

Required Qualifications

• Skills: Attention to detail, communication, organization, problem-solving, technology proficiency

1-2 years of lending or finance experience.