Retail Credit Underwriting - Residential Underwriter II
Kennebunk, ME 04043, USA Req #98

Friday, August 21, 2020

All incumbents will embrace our Quality Service Program which is focused on creating and fostering relationships; displaying a positive and energetic attitude; a willingness to be curious and innovative; and a commitment to safety and security.

Scope of Work

The Incumbent manages mortgage underwriting activities. They are also responsible for providing leadership, coaching and guidance to team members to ensure Bank and departmental objectives, goals and timelines are met.

Essential Functions (3)

• Analyses residential mortgages to meet investor and Kennebunk Savings guidelines including rendering credit decisions within specified loan authority
• Reviews documentation Including but not limited to credit income, assets and collateral and prepares commitment, declination and counter-offer letters; communicates loan decision to appropriate parties
• Keeps abreast of current investor and portfolio guidelines

Other Duties and Responsibilities:

• Promotes the Kennebunk Savings Brand by recommending our products and services, supporting our community focus & commitment to being a premier employer
• Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations
• Consistently emphasizes the importance of teamwork in the department and company at large
• Responsible for keeping abreast of company news and information
• Responsible for completing required training and policy review
• May serve on various committees
• Willingness to take on additional tasks and duties

Certifications/Licenses Required

• Registered with the Nationwide Mortgage Licensing System and Registry

Desired Knowledge, Skills & Abilities:

• Skilled in a loan operating system
• Displays high level of regard for trust and confidentiality
• Proficient in Microsoft Office Products
• Displays strong written and verbal communication skills
• Displays strong organization skills and the ability to multi-task to meet established deadlines
• Demonstrates a high level of accuracy and attention to detail
• Effectively uses analytical skills to solve technical, as well as, non-technical problems
• Prior knowledge of regulations within the financial services industry is preferred
• Ability to adapt to change

Desired Job Experience

• 5 years of related experience in residential processing and underwriting
• Experience in a professional, service focused and fast-paced environment

Desired Education

• High school or General Education Diploma

Working Conditions/Minimum Physical Requirements

• Physical surroundings are generally pleasant and comfortable with minimal exposure to injury or other hazards
• Dexterity of hands and fingers to operate a computer and other office equipment
• Lifting and moving of moderately heavy objects on occasion
• Normally seated for extended periods of time

Revision Date 8/21/2020

External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act, or Maine/New Hampshire Human Rights Commissions, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case-by-case basis.

Other details

• Job Family Banking
• Pay Type Salary
• Travel Required No
• Required Education High School

• Kennebunk, ME 04043, USA