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Direct Endorsement Underwriter / Part-Time / Temporary Job
First Citizens Bank | Columbia, South Carolina
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Job Description

Direct Endorsement Underwriter / Part-Time / Temporary
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Job ID #: 29142
Location: SC-Columbia
Functional Area: Mortgage - Operations
Employment Type: Part-Time Exempt > 20 hours
Education Required: High School Diploma
Experience Required: 4 years
Days and Hours: Monday - Friday (flexible)
Physical Address: 1314 Park Street, Columbia, SC 29201
Department Name: Mortgage Operations

Position Description

The Mortgage Direct Endorsement Underwriter analyzes and assures residential mortgage loans comply with bank, FHA/VA, and secondary market standards. The certified DE Underwriter has the authority to underwrite loans on behalf of the US Department of Housing and Urban Development, HUD. Responsibilities include reviewing all loans to investor and FCB guidelines; underwriting all new and resubmitted loans according to investor and FCB guidelines; reviewing appraisals according to investor and FCB guidelines; scoring and rescoring loans if required; provide options/solutions for denied loans for counter offers; establishing and maintaining relationships with investors; providing consultative services to Mortgage Bankers; evaluating clear conditions prior to loan closings if required; reviewing HUD1 statements for FHA/VA compliance.

Position Requirements

Basic Qualifications:
Bachelors degree with a minimum of 4 years mortgage loan underwriting experience and Direct Endorsement Underwriter Certification.
High school diploma or GED with a minimum of 8 years mortgage loan underwriting experience and Direct Endorsement Underwriter Certification.

Additional Requirements:
FHA/Direct Endorsement Underwriter Designation.
Possess applicable computer skills using software packages (word processing, desktop underwriter, and spreadsheet) on personal computer.
Ability to analyze the acceptability of appraisals, inspections and the borrowers capacity to repay the mortgage loan.
Ability to analyze tax returns and financial statements for self employed borrowers including interests in corporations and partnerships.
Ability to underwrite loans to meet agency standards.
Ability to effectively communicate orally and in writing with associates and those persons outside FCB.
Ability to pay attention to detail.
Ability to effectively provide guidance and training to others.

First Citizens Bank is an equal opportunity employer that does not discriminate against applicants on the bases of race, color, religion, national origin, sex, age, disability, veteran or military status, sexual orientation, gender identity, genetic information, or any other legally protected status.

About First Citizens Bank

First Citizens BancShares Inc. has over $21 billion in assets. BancShares' banking subsidiaries, First Citizens Bank and IronStone Bank, provide a broad range of financial services to individuals, businesses, professionals and the medical community through a network of over 400 branch offices, telephone banking, online banking and ATMs. BancShares is one of Forbes' Platinum 400 Best Big Companies in America. Founded in 1898, First Citizens Bank today operates in North Carolina, Virginia, West Virginia, Tennessee, Maryland, Florida, Washington state and Southern California. The bank has received multiple national awards for customer satisfaction, sustained profitability and overall stability and security, including a five-star superior ranking by independent banking rating firm BauerFinancial Inc. and Greenwich Excellence Awards for Business Banking.

This company profile was created by AfterCollege and is about First Citizens Bank. This page is not endorsed by or affiliated with First Citizens Bank. For questions regarding company profiles, please email: care@aftercollege.com.