Job Description

Job Description

Job Description

Banc Mac, a United Community Bancorp entity, is in search of a Mortgage Loan Underwriter. Due to the expansion of correspondent and broker loan programs with banks and credit unions within the wholesale unit we are looking to add another position. This position is currently in house. The Underwriter performs a wide range of duties related to the underwriting of secondary market residential mortgage loans.

Essential Duties and Responsibilities:

• Renders underwriting decisions and subsequent clearing conditions to ensure credit guidelines are met
• Corresponds with Third Party Bank Lenders
• Keeps current on investor, agency and compliance guidelines
• Assists in timely completion and review of Adverse Action Loans and other tasks as warranted
• Other related duties as assigned

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Computer Requirements:

• Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)
• Encompass software knowledge is a plus

Education/Experience Requirements:

• High school degree or equivalent
• Current FHA/DE/VA government designation a plus
• FHA underwriting experience a plus
• 3 years of experience as an underwriter preferred
• 5 years of mortgage experience preferred

Additional Requirements:

• Previous customer service skills preferred
• Strong attention to detail
• Strong time management and organizational skills
• Ability to practice discretion and handle confidential information in a professional manner
• Ability to perform duties independently with limited direct supervision
• Problem Solving/Analysis skills
• Ability to communicate effectively with customers and coworkers
• Written and verbal (face-to-face and phone) communication skills including professional grammar and demeanor
• Ability to explain the benefits of bank products and services and answer customer questions regarding these products and services
• Knowledge of financial institution regulations
• Ability to multitask
• Strong professional integrity in compliance with company policy, and ethical and legal standards
• General knowledge of bank procedures and how they apply to other areas of the bank

Attendance Requirements:

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Certificates, licenses, or registrations: none

Working Conditions:

This job operates in a clerical setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical requirements:

• Requires bending, stooping or standing as necessary
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to count money and key in transactions
• The employee may occasionally lift and/or move up to 25 pounds

The following benefit programs are available to all employees:

• 401(k) retirement plan (requires 60 days of employment, age 20)
• Paid Leave Time
• Free checking account including identity theft and cellphone protection, Roadside Assistance and more
• Free savings account & Safety Deposit Box
• Cashier's checks

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements:

• Vacation time (requires 30 days of employment)
• Sick/Personal Time (requires 90 days of employment)
• Holidays
• Jury Duty leave
• Health Insurance (requires 60 days of employment)
• Dental Insurance (requires 60 days of employment)
• Vision Insurance (requires 60 days of employment)
• Life Insurance (requires 60 days of employment)
• Short-Term Disability Insurance (requires 60 days of employment)
• Long-Term Disability Insurance (requires 60 days of employment)
• Section 125 Cafeteria Plan including Flexible Spending Accounts (requires 60 days of employment)
• Tuition Reimbursement
• Military Leave

Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.

Please visit for more information on UCB's complete benefit package.

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