UNDERWRITER at None

Position General Responsibilities:

Underwrite residential real estate loans for the Secondary Market Lending Division.  

Education, Experience and Certification Requirements

1. High School or general education degree (GED); Bachelors degree or Professional Underwriting Designation preferred. 
2. FHA DE status (CHUMS ID).
3. VA LAPP Approval (SAR #).

Note:  Only minimum responsibilities are listed.  Other responsibilities may be required as requested by management.

Basic Qualifications:

1. Strong commitment to providing exceptional customer service.
2. Minimum of 5 years experience in mortgage industry.
3. In-depth knowledge of Fannie Mae, Freddie Mac, USDA, and JUMBO guidelines.
4. Will be located in Miles City or Billings, MT, or remotely from a home office. 
5. Strong knowledge of real estate loan policies, procedures and investor programs.
6. Strong communication skills.
7. Strong attention to detail, accuracy and analytical skills, performing multiple tasks under pressure with limited supervision.
8. Ability to effectively and accurately make sound decisions within the scope of underwriting guidelines.
9. Accurate keyboarding, 10 key skills, and computer experience required. 
10. Ability to set priorities and work in an organized manner.

Dimension of Job:

Underwrite and evaluate residential mortgage loan applications to provide qualify loans for Stockman Bank and its secondary market investors.  Responsible for the credit risk on all loans.  Underwriter is responsible for the review and evaluation of loan files and will make decisions on files consistent with Stockman Bank’s lending policies and all appropriate program guidelines.   Assist Real Estate Loan Specialists in efficiently processing real estate loans originated by all branch offices.  Underwriter must maintain a strong knowledge of real estate loan policies, procedures and investor programs while continuing to develop strong attention to detail, accuracy, communication and analytical skills.

 For full description, which includes physical mental demands please see attachment.