Description:
Responsible for underwriting the basic product offerings for the business unit. For unsecured/home equity underwriting this includes the suite of unsecured products as well as the less complex home equity applications.
Ensure material information captured in the application is accurate at time of review
Proactively suggest program alternatives within their product capabilities for customers who do not qualify for terms initially submitted or escalate for further review by a more senior underwriter.
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making
Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS, while responding timely to quality control and audit reviews when requested
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Knowledge of all income sources, including the ability to interpret income tax returns
Basic knowledge of all legal, compliance and regulatory requirements for the product set
Provide exceptional customer service in all written and verbal communications to both internal and external customers
Qualifications:
- 2 years Mortgage or equity processing or junior underwriting experience in a lending institution
- Experience using Automated Underwriting Systems
- Self-directed with excellent time management skills
- Demonstrated ability to analyze and evaluate complex income documentation
- Exceptional written and verbal communication skills
- Desire to work in a production environment
- Advanced proficiency in Word and Excel
Hours & Work Schedule
Hours per Week: 40
Work Schedule: Monday to Friday 8 am to 5 pm. Overtime as needed.