5+ years of experience
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Employment Type:
Full time
Job Category:
Mortgage Underwriter 3
(This job is no longer available)
Suntrust Banks, Inc. | Atlanta, GA
Grad Date

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Job Description

Mortgage Underwriter 3-W438710


Responsible for underwriting residential first mortgage loans, while ensuring compliance with Bank, FHA/VA, and Secondary Market standards, as well as role-based corporate procedures. Communicate with Processors, Originators, and other internal and external customers. Meet performance standards and goals established by Production Operations and Mortgage Credit Risk Management.

Responsible for underwriting mortgage loans of a complex nature, including Conforming Conventional, FHA and VA, Bond/Housing authority, and Non-Conforming loan products. May be required to assist with projects and development training for fellow teammates.


Basic Qualifications:

• Five+ years mortgage underwriting experience or equivalent, including three years of experience with manually underwritten and/or non-conforming loan amounts
• Existing DE must meet HUD requirements as outlined in HUD handbook 4000.1
• In depth knowledge of Credit Risk Management principles with a strong capacity to address credit related issues and points of risk to ensure underwriting meets quality assurance and investor standards.
• Ability to perform a comprehensive validation review of credit, income, assets, compliance, policy or program requirements, based on automated or manual underwriting results
• Familiarity with secondary marketing requirements
• Proven effective communication skills, with the ability to negotiate and work effectively in a collaborative , matrix oriented environment
Preferred Qualifications:

• Experience reviewing complex financial documents such as personal and/or business tax returns and financial statements
• Bachelor's Degree or equivalent work experience
• DE Authority
• VA Authority

Quality and Productivity:

• Ability to meet and preferably exceed productivity expectations in a fast paced, high volume environment with pipeline and conditions management, while maintaining acceptable quality and client satisfaction results.
• Provide timely and accurate communication of credit risk decisions to impacted stakeholders


Your life is full of responsibilities; SunTrust provide the tools and resources to help you balance your Work and your Life needs through the following benefits:

• Medical, Dental, and Vision Plans

• Retirement Plan - 401k with matching

• Life insurance

• Disability insurance

• Time away from work - vacations and holidays

• Professional development - SunTrust University, an in-house career growth and employee development program

• Tuition Assistance - financial help for going back to school

About SunTrust:
SunTrust is one of the nation's largest and strongest financial services holding companies in the United States. We offer over 1,500 branches and 2,800 ATM in convenient locations throughout the southern regions of the U.S. SunTrust provides deposit, credit, trust, and investment services to a broad range of retail, businesses, and institutional clients.

How to Apply: Is this you? If you are qualified and interested, please click the Apply Now button.

Primary Location: GA-Atlanta Area
Work Locations: 211 Perimeter

211 Perimeter Center Pkwy

Atlanta 30346

Equal Opportunity Employer

SunTrust supports a diverse workforce and is a Drug Testing and Equal Opportunity Employer and does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, disability, veteran status or other classification protected by law.

EEO Poster

About Suntrust Banks, Inc.

SunTrust Banks, Inc. (SunTrust) primarily operates as a financial services holding company. Through its principal banking subsidiary, SunTrust Bank (the Bank), the Company provides deposit, credit, and trust and investment services. Through its subsidiaries, SunTrust also provides mortgage banking, credit-related insurance, asset management, securities brokerage and capital market services. The Company operates in five business segments: Retail, Commercial, Corporate and Investment Banking (CIB), Wealth and Investment Management, and Mortgage. The Bank operates primarily in Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia and the District of Columbia. SunTrust provides clients with a selection of technology based banking channels, including the Internet, automated teller machines (ATMs), personal computers and around-the-clock telebanking. In May 2008, SunTrust completed the acquisition of GB&T Bancshares, Inc.