Mortgage Loan Underwriter

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Website Hilltop Bank

Mortgage Loan Underwriter  |  Full Time   |  Main Office

Responsible for the review, evaluation, and approval/denial of mortgage files and appraisals based on Hilltop Bank’s policies, secondary market requirements and applicable regulations. Review and evaluate information in a mortgage loan application to ensure the loan is in compliance with agency and investor guidelines, regulations and banks policies and procedures. Determine whether credit, income and source of funds are stable and adequate for repayment and meet all applicable guidelines and requirements by reviewing and evaluating supporting documentation. Review and evaluate Conventional, FHA, VA, and USDA/RD appraisals to determine adequacy of collateral and adherence to all agency and/or investor requirements and regulations. Assists in development and maintenance of consistent underwriting practices and procedures including the banks Quality Control program. Works closely with the Real Estate Manager to ensure compliance of regulations including HMDA. Documents loan rejections, specifying investor and institution guidelines and basis for declining applications, such as insufficient cash reserves, adverse credit, unacceptable income-debt ratios, and employment stability. Maintains open communication with the loan processor, loan officer and post-closer. Bachelor’s degree or equivalent from a college or university; five years related experience and/or training; or the equivalent combination of education and experience. Work experience should consist of mortgage lending (FHLMC, FHA, VA, FNMA, conventional, etc.) and financial analyzing background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. FHA-DE and/or VA-LAPP approval and appraisal review designations preferred. Intermediate knowledge of mortgage loan origination, underwriting, documentation and processing as well as relevant regulations. Highly organized and able to prioritize. Good communication skills, both verbal and written. Detail oriented with strong data analysis skills. High mathematical aptitude. Proficiency in Microsoft Office and automated underwriting systems. Intermediate typing skills to meet production needs of the position.

Please apply in person at 300 Country Club Road, Suite 307 from 9am-5pm Monday – Friday. You may also go to to complete an application. Please print and upload. Applicant testing administered. Hilltop Bank is an EEO Employer.

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