HL Underwriter III-PHL

Join a team where your expertise shapes the future of home lending and empowers customers to achieve their dreams. As a Home Loan Underwriter, you'll play a pivotal role in delivering fair, accurate, and timely loan decisions. Collaborate with talented professionals and leverage advanced tools to drive exceptional customer experiences. Your judgment and analytical skills will help ensure responsible lending and compliance with industry standards. Be part of a dynamic environment that values your growth, innovation, and commitment to excellence.As a Home Loan Underwriter III in the Home Lending team, you serve as a key decision-maker, applying expert analysis to complex loan applications. You collaborate with advisors and specialists to facilitate efficient loan processing and approvals, ensuring compliance with company policies and regulatory requirements. You help customers achieve or retain homeownership by providing thoughtful solutions and upholding fair lending practices. We value your expertise, commitment to quality, and dedication to customer satisfaction.Job ResponsibilitiesAnalyze and underwrite residential mortgage applications, ensuring compliance with lending criteria and risk management standardsApply comprehensive knowledge of mortgage servicing processes and credit guidelines to loan decisionsCollaborate with Home Lending Advisors, Customer Care Specialists, and other stakeholders to ensure seamless processingReview and validate financial documentation, including income, assets, and credit reportsIdentify and resolve documentation deficiencies, communicating findings clearly and professionallyMaintain up-to-date knowledge of credit policy changes and regulatory requirementsUphold fair lending practices and ensure equitable treatment of all clientsMentor and support team members through second reviews, group discussions, and training opportunitiesPrioritize workflows to optimize operational efficiency and meet deadlinesConsistently achieve productivity, quality, and service level goalsDeliver exceptional customer service and foster positive relationships throughout the underwriting processRequired Qualifications, Capabilities, and SkillsBachelor's degree in finance, business administration, economics, or related fieldDemonstrated experience in U.S. residential mortgage processing or underwritingDemonstrated expertise in income calculation, credit assessment, and asset analysisThorough understanding of Federal and State regulatory requirementsProficiency in mortgage underwriting software and automated underwriting systems (AUS)Strong analytical and decision-making skillsAbility to deliver clear and concise underwriting conditions and decisionsExceptional written and verbal communication skillsAbility to work independently with minimal supervisionCommitment to customer service excellenceWillingness to work night shifts (U.S. hours) and hybrid/in-office as neededPreferred Qualifications, Capabilities, and SkillsComprehensive knowledge of FNMA/FHLMC guidelines and federal mortgage regulationsExperience with Conventional Agency and Non-Agency loan amountsProficiency in tax return and balance sheet analysis, cash flow assessment, and self-employment income evaluationKnowledge of Mortgage Insurance policies and their application in underwritingExperience with a variety of mortgage productsCSA / Voice CertifiedHigh energy, resilient, and proactive approach to pipeline developmentInternal Application Eligibility RequirementsTENURE:Must meet minimum employment tenure requirement. Specific roles require longer tenure in current position to be eligible to apply. Unless established for specific positions by the line of business, the standard tenure requirement is 12 months.PERFORMANCE:Meets satisfactory performance standards as defined by the firmBy submitting an application and/or joining the interview, you affirm to meet the Internal Mobility Eligibility Requirements as stated in the Applying for Internal Positions Firmwide Standard. You are expected to provide true and accurate information to the Company during the recruitment and application process. Knowingly giving false or misleading information shall be subjected to the imposition of appropriate corrective action, following the firm's Human Resource Policies and Guidelines.Inform your manager once scheduled for an interview. Include in your discussion if you have questions about eligibility or Line of Business specific guidelines.Make sure your profile is updated in the new > Jobs. Attaching your updated resume is encouraged.In partnership, Hiring Managers and Recruiters will review applications to determine which candidates best meet the required skills and experience specified in the job description. While not every application will result in an interview, applications will be acknowledged.