Mortgage Underwriter III Gulfport Telecommuter 5130

**JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!** **Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:** - *Medical, dental, and vision insurance* - *Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses* - *Employee and Dependent Life Insurance* - *401(k) Retirement Plan with 100% match on the first 5% contributed by you* - *Paid Leave* - *Tuition Reimbursement and Competitive Scholarships* - *Short-Term & Long-Term Disability Benefits* - *Employee Assistance Program* ***WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS*** ##### **Position:** Mortgage Loan Underwriter III ##### **Department:** Mortgages ##### **Reports To:** Mortgage Loan Underwriter Manager ##### **FLSA:** Non-Exempt **Grade:** 13 ##### **SUMMARY:** ##### The Mortgage Underwriter III position requires a minimum of 4 years of current mortgage underwriting experience to include 2 years of government underwriting. Must be DE and SAR approved. ##### **SUPERVISORY RESPONSIBILITIES:** ##### None **ESSENTIAL FUNCTIONS:** - Validate the accuracy of all calculations and loan documentation provided. - Responsible for underwriting all mortgage loan types including all government loans - Completes a thorough analysis of loan files to determine guideline compliance with Keesler Federal, GSE agency, and investor guidelines. - Analyze Credit, Capacity, Capital, Collateral, and Character to ensure the file meets guidelines and regulatory requirements. - Maintains service levels to provide established turn times. - Provides general guidance to Loan Processors and Loan Originators for loan file. - Assists in internal quality control, audit review issues, and responds to audit findings. - Stays updated on PMI, GSE, and Portfolio Loan Products. - Maintains up-to-date knowledge of Mortgage policies and guidelines. - Responsible for compliance with all Federal Mortgage regulations. - Proficient in all mortgage department systems related to underwriting. - Ensures compliance with applicable federal, state and local laws and regulations. - Maintains knowledge of and adheres to Keesler Federal internal compliance policies and procedures. - Addresses loan issues in a timely manner to ensure an extraordinary member experience resulting in no disruption to closing date established at time of origination. - Addresses loan issues in a timely manner to ensure no disruption to closing date established at time of origination or processing. - Mentor Mortgage Loan Underwriters I and II with loan decision-making. - Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Ability to Repay/Qualified Mortgage Rule and TRID. ##### **Other Duties and Responsibilities:** - ##### Other duties as assigned. ##### **KNOWLEDGE AND SKILLS:** ##### To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ##### **Education:** - ##### Bachelor’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position preferred. **Experience and Other Requirements:** - Direct Endorsement Certification and SAR approval required. - Minimum of 4 years of current mortgage underwriting experience required. - 2 years of government underwriting experience Required. - Advanced underwriting, advanced tax return analysis, advanced collateral assessment (appraisal analysis). - Expert knowledge with FHA Connection, FHA EAD, VA WEB LGY, USDA GUS, DU, and LPA. - Advanced ability to analyze complex income, assets, credit and collateral. - Advanced problem solving, analytical and resolution skills. ##### **Computer Sk…