Underwriter

Description ***No agencies or 3rd party Recruiters please. Thank you! *** Who we are: Cornerstone Home Lending, a division of Cornerstone Capital Bank, is a unique national home lender with a reputation of amazing service, customer satisfaction, employee retention, and happiness. We employ people who are passionately committed to Cornerstone’s Mission, Vision & Core Convictions. Our brand is known for on-time closings - a key core conviction of Cornerstone. We have successfully navigated our company through many industry cycles and changes in regulations. We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us. Who we are looking for: Cornerstone Home Lending is looking for an experienced Underwriter, who will bring enthusiasm, attention to detail, and a servant heart to our team of top-tier mortgage professionals. This professional will work in a tight-knit, goal-oriented team where our Customers and Loan Officers can rely on them to ensure an accurate and quality product. Key Responsibilities: Completes a thorough analysis of loan files to determine compliance with investor. Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral. Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met. Verifies the accuracy of all calculations. Recommends the loan disposition, for loan amounts in excess of authority limitations, to Manager. Maintains a working knowledge of secondary market underwriting guidelines, private investor and private mortgage insurance guidelines. Assists with maintaining compliance with all applicable federal, state and local laws, regulations and ordinances by abiding by compliance program and all policies, procedures, rules and regulations. Assists in the development of underwriting standards. Assists mortgage production team in qualifying loans. Aids processors, giving general guideline interpretations and answering questions on specific loan files. Responds to post closing review and quality control audits in a timely fashion. This is not intended be an all-inclusive list of job duties. Multi-tasking, high volume, available to be flexible and work weekends as needed What you’ll need to be successful: DE/SAR Required 3-5 years mortgage underwriting experience required. Excellent documentation, organization and analytical skills, required. Excellent oral communication skills, required. Excellent Customer Service skills Excellent verbal and written communication skills; analytical skills Ability to handle frequent changes Creative/innovative problem solver. Confidentiality required in handling of security Credit decisions on conforming loan documents What we offer: Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, , Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance based bonus based on position and department. What to do next: If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're a part of our Cornerstone team, we'll continue to invest in you as a valuable asset to our company. As many of our team members can tell you, there's something special about working at Cornerstone.