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Mortgage Underwriter

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Consumer Loan & Residential Mortgage Underwriter

Seneca Falls, NY

About the Role

Underwrites and credit decisions the bank’s consumer loans, purchase loans, and home equity loans & lines of credit products.  Maintains a sound portfolio risk profile by employing bank, regulatory and credit policy underwriting practices.  Act as a backup Residential Mortgage Underwriter.  

Major Duties and Responsibilities:

  • Reviews direct consumer loans, purchase loans and home equity loans & lines of credit applications packages for completeness and adherence to bank requirements prior to underwriting.
  • Underwrites and credit decision requests according to bank established criteria rendering a credit decision, as well as all regulatory, third part agency/investor and bank requirements.  Communicates the credit decision to applicable bank personnel or agency/investor personnel.  Ensures proper approval level is obtained.
  • Maintains complete compliance for governing regulatory requirements such as; Fair Lending, Regulation Z, TRID, Reg B and other applicable disclosures and requirements.  Also, responsible for compliance with regulations including, but not limited to, Anti-Money Laundering, U.S. PATRIOT Act, Bank Secrecy Act, OFAC, Fraud Protection, Security Procedures, and Privacy/Confidentiality requirements.
  • Assist in addressing findings from internal compliance, audit and outside audit and regulatory parties.
  • As assigned, manages and reconciles assigned general ledger accounts, prepares and provide management reports.
  • For approvals, declinations, withdrawals and counter offers, ensures applicable data is entered into systems for tracking and regulatory purposes.  Prepares applicable Regulation B letters, declination letters and/ or counter offer letters and returns to processor for handling when applicable.  
  • Handles other credit requests, such as, student loans.
  • As needed, underwrites and credit decisions residential mortgages applications.
  • Other tasks as assigned.


  • Educational Requirements: Two year degree in a related field; or equivalent work experience.
  • Experience Required: A minimum of two years of consumer loan underwriting experience with credit authority.


  • Proficient PC skills including, Microsoft suite and the ability to learn other bank systems and software applications.
  • Must possess leadership capabilities and a willingness to accept responsibility. 
  • Strong ability to interpret and extract pertinent insights from submitted applications and documentation.
  • Excellent interpersonal, customer service, written and oral communication skills.  Possess the ability to communicate professionally with all levels of employees, staff, management, vendors and customers/prospects.
  • Detail-oriented and efficient, with strong organizational and time management skills, ability to multi-task and manage deadlines
  • Contribute to building a positive company spirit, display passion and optimism, inspire respect and trust, and uphold the company values.
  • Ability to maintain confidentiality at all times.


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