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Mortgage Underwriter 9/17/2016

First Niagara Amherst, NY

Company
First Niagara
Job Classification
Full Time
Company Ref #
5000141766506
AJE Ref #
576205470
Location
Amherst, NY
Experience
Entry Level (0 - 2 years)
Job Type
Regular
Education
High School Diploma or GED

JOB DESCRIPTION

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Job Description

* High School diploma or equivalent required, BA preferred

* Minimum of 1 year experience in a credit review capacity, mortgage underwriting preferred

* Ability to analyze complex financial documentation to include individual and business tax returns

* Comprehensive knowledge of all product offerings, associated eligibility guidelines and regulatory requirements

* Skilled at determining potential for counter offers, where applicable

* Excellent written and verbal communication skills

* Strong organizational and analytical skills, with an ability to prioritize multiple responsibilities within the workday

* Ability to work independently and in a team setting effectively

* Forward thinking relative to business objectives

* Flexibility in the work place in order to support evolving business needs

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Overview:

This individual reviews and decisions assigned loans to ensure borrower eligibility relative to First Niagara and Investor guidelines, as well as achieve regulatory compliance.

A Mortgage Underwriter must have the ability to analyze all applicable documentation and determine borrower's ability to repay and credit worthiness.

Key Responsibilities:

* Complete comprehensive analysis of all loan application related documentation to include credit, income and asset profile to determine acceptability to First Niagara and Investor product guidelines

* Adherence to First Niagara escalation process relative to loans beyond approved lending authority or declinations

* Review of all documentation required as part of the loan commitment and determine acceptability relative to First Niagara and Investor guidelines

* Interact with internal sales partners (where applicable) to obtain required documentation necessary to render a sound loan decision

* Ensure customer satisfaction, quality and productivity at or above minimum business standards

* Maintain compliance with all relevant and applicable internal and external rules, regulations, and polices in order to limit financial exposure to the business

* Operate in a manner that is in strict alignment to FNFG's Code of Ethics policy.

EEO/AA Minority/Female/Disability/Veteran

4224 Ridge Lea Rd., Amherst, New York 14226

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled