Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service fina…
Description At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service fina…
Description At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service fina…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description Irvine, CA area - Must be local to Orange County/Irvine MUST HAVE: Minimum of 10 years of experience working in a financial institution MUST HAVE: Certified Treasury Professional (CTP) designation preferred M…
Description At Sunflower Bank, we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service fina…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Skills: Mortgage Loan Processing, Income Calculation, DU Requirements, Microsoft Office Suite, Data Entry
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Skills: Control Oversight, Risk Assessment, Vendor Due Diligence, User Access Reviews, Third Party Risk Management
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Skills: Information Security Risk Management, Compliance Oversight, User Access Reviews, Vendor Due Diligence, Control Validation
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Skills: Carpentry, Basic Electrical, Plumbing, General Maintenance, Drywall Installation
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-servic…
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Full-time
bachelor degree
401(k) Plan With 6% Match, Health Insurance, Dental Insurance, Vision Insurance, Company-paid Life Insurance, Tuition Reimbursement
Posted 29d ago
~40 hrs/week
Responsibilities
The Mortgage Underwriter III is responsible for rendering final approval or denial decisions on mortgage loan applications based on capacity, credit, capital, and collateral. They must ensure all files are compliant with company policy, investor guidelines, and federal regulations while educating loan officers on underwriting rules.
Requirements
Candidates should ideally have a bachelor's degree and over 10 years of underwriting experience, including certifications for FNMA, FHLMC, FHA DE, and VA LAPP/SAR. Proficiency in Microsoft Office and knowledge of specialty lending areas like Jumbo or Construction loans is preferred.
Full job description
Description
At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com.
Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Mortgage Underwriter III.
Description:
The Mortgage Underwriter III renders a final decision (e.g., approval, disapproval, approval with conditions) for mortgage loan applications in a timely, accurate and compliant manner. This position reviews loan applications based on factors such as capacity, credit history, capital, and collateral in compliance with company policy, contracts, investor guidelines, lending programs and state and federal laws and regulations.
Responsibilities:
Render a final underwriting decision (e.g., approved, suspend, denied) for mortgage loan applications based on factors such as capacity, credit history, capital and collateral.
Apply underwriting rules from multiple sources to accurately and consistently review individual loan applications. Formulate approval conditions, as appropriate.
Review each loan file to verify documents are present, accurate, accurately calculated, compliant and sufficiently complete for an underwriting decision. Review and reach an underwriting decision on the appraisal.
Accurately answer questions from and educate loan officers, loan processors, and other appropriate personnel about underwriting rules and how they apply to individual loan applications. Review and answer loan scenario questions from loan officers.
Perform necessary computer-based functions for both internal and external IT systems. Conduct online research.
Meet ongoing, short deadlines with regard to underwriting, closing, etc.
Meet rules, obligations, timelines, and deadlines to comply with company policy, contracts, investor guidelines, lending programs and state and federal law and regulation.
Perform the job in accordance with applicable industry laws and regulations as well as the policies and procedures established by the company.
Education / Experience Preferred:
Graduation from a 4-year college or university with related major, preferred
At least 10+ years of underwriting experience or combination of mortgage processing and underwriting experience
Conventional FNMA & FHLMC
FHA Direct Endorsement (DE) approved
Veterans Administration (VA) Lender Appraisal Processing Program (LAPP/SAR)
Preferred but not required: minimum of two of the following specialty areas: Portfolio Lending, Construction One Time and/or Two Time Close, or Jumbo Non-Conforming
USDA preferred but not required
Knowledge of Construction One Time and Two Time Close underwriting-preferred but not required
Knowledge of Jumbo Non-Conforming Service Release underwriting
Down payment assistance programs-preferred but not required
Must be proficient in Microsoft Office Suite.
Must possess excellent verbal, written and interpersonal skills.
Must possess excellent organization and multi-tasking skills.
Ability to maintain confidentiality.
Pay is dependent on knowledge, skills, abilities, experience, and location.
Working Conditions
The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.
Sunflower Bank Benefits
People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team.
Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are:
Rooted in Strength
Propelled by Growth
Individuals in a Great Whole
Creating Possibility
Community Focused
Associates enjoy outstanding benefits, including:
401(k) Plan with 6% Match
Health/Dental/Vision Insurance
Company-paid Life Insurance
Tuition Reimbursement
Fitness Reimbursement
Paid Time Off
Volunteer Leave
Paid Holidays
Plus many more associate perks & incentives!
If you qualify, apply online at www.sunflowerbank.com/careers.
You’ve never worked anyplace like Sunflower Bank!
EOE/AA: Minorities/Females/Disabled/Vets
Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.
We accept applications on an ongoing basis until the role is filled. There is no fixed deadline to apply.
If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.
Operating as Sunflower Bank and First National 1870, Sunflower Bank, N.A. provides relationship-focused services and financial solutions to meet your personal, business, and wealth management financial objectives.
Whether you know us as Sunflower Bank or First National 1870, our philosophy is simple: we offer a full range of financial products that create possibility in the lives we touch and the communities we serve. We value the needs of each customer and partner with them to help achieve their goals through innovative solutions and locally informed decision-making.
We are proud of our longevity and the long-term relationships it represents. Founded in 1892, for generations, we’ve helped valued customers across our expanding footprint realize their dreams through our financial solutions. We operate as First National 1870 in Albuquerque, Los Alamos, and Santa Fe, NM, to honor its founding in 1870 as the first bank in the Southwestern US.
Operating as Sunflower Bank and First National 1870, Sunflower Bank, N.A. provides relationship-focused services and financial solutions to meet your personal, business, and wealth management financial objectives.
Whether you know us as Sunflower Bank or First National 1870, our philosophy is simple: we offer a full range of financial products that create possibility in the lives we touch and the communities we serve. We value the needs of each customer and partner with them to help achieve their goals through innovative solutions and locally informed decision-making.
We are proud of our longevity and the long-term relationships it represents. Founded in 1892, for generations, we’ve helped valued customers across our expanding footprint realize their dreams through our financial solutions. We operate as First National 1870 in Albuquerque, Los Alamos, and Santa Fe, NM, to honor its founding in 1870 as the first bank in the Southwestern US.