Branch Support Underwriter

Job Location US-NH-Manchester
Job ID
2020-2568
Position Type
Full Time Non Exempt Full-Time
Grade
TBD

Overview

BASIC FUNCTION:

 

Act of the liaison between Branch personnel and Corporate Operations personnel to ensure all business channels are supported with exceptional customer service, responsible lending and integrity. 

Responsibilities

ESSENTIAL DUTIES:

  • Assist with day to day troubleshooting for the branch network with LOS (Loan Origination System), underwriting, the Operations team, etc.
  • Monitor and respond to the Branch Support email box
  • Serve as a technical resource for the sales team, answering questions about program requirements
  • Provide underwriting training and coaching for the sales team and other members of Branch Support
  • Provide interpretations on guidelines for sales staff.
  • Review tax returns to help Loan Originators arrive at what income they may use in qualifying
  • Review scenarios and possibly thin loan files prior to underwriting submission and give guidance on how a file may be structured
  • Review and understand investor guidelines to identify when exceptions may be possible
  • Review active listings to determine potential property eligibility or challenges.
  • Help identify trends lacking at branch level to develop training materials
  • Act as subject matter expert on Company’s business operations and flow
  • Use independent judgment in problem solving loan related concerns at both branch and operations level
  • Back up Branch Support Liaison as necessary
  • Other duties as assigned

Qualifications

 KNOWLEDGE, SKILLS AND ABILITIES:

  • Understanding of the HarborOne Mortgage operations process
  • Residential underwriting experience
    1. Familiarity with FNMA, Freddie Mac, USDA, FHA and VA Underwriting guidelines
    2. Familiarity with State Housing Programs
  • Ability to find answers quickly using AllRegs or Investor websites
  • Superior communication skills/customer service skills
  • Excellent organization skills
  • Knowledge of reviewing residential appraisals
  • Ability to manage multiple tasks in a fast paced environment
  • Ability to work additional hours as needed (if approved) to stay on top of workload
  • Ability to develop and maintain good relations with all retail branches
  • Ability to maintain composure in stressful situations
  • Ability to handle minimal travel to branches if necessary

 

EDUCATION:

  • High school diploma or general education degree (GED)
  • At least 5 years related mortgage experience, with focus on underwriting experience

PHYSICAL DEMANDS:

While performing the responsibilities of this position, the employee is required to effectively communicate verbally. The employee must be able to effectively operate a keyboard. The employee is occasionally required to stand, walk, and reach with arms and hands and occasionally lift and/or move up to 10-15 pounds.  Vision abilities is required by this job include close vision.

 

The requirements outlined above are representative, but not all-inclusive, of the knowledge, skill and ability of this position.  Reasonable accommodations will be made to enable employees with disabilities to perform essential job functions.

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