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Job Title:   Senior Residential Mortgage Underwriter
Coral Gables

Maintain loan underwriting standards as established in Mercantil Commercebank’s policy and procedures
· Underwrite residential first mortgage first mortgage loans and recommend or decline said loan request within stated loan
authority guidelines and within written established turn around times. Items to review and consider: borrower’s income,
sufficient funds to close, real estate appraisal, borrower’s ability to repay and debt, etc.
· Maintain current and accurate loan underwriting reference materials and knowledge as accepted by the Institutions Loan
Portfolio and Foreign National program guidelines as well as Secondary Market investor guidelines.
· Maintain compliance with all state and federal laws and regulations as they relate to residential lending underwriting
· Maintain a favorable professional business rapport with the Retail Loan Dpt., and all units of the bank.
· Maintain positive interaction with secondary market investors
· Assist the residential loan closer with any issues relating to clearing underwriting loan conditions or loan closing problems
· Knowledge of all phases of a loan transaction (from inception to closing and funding)
· Communicate to Loan Officers to approval or denial of mortgage requests
· Keep-up-to-date with investors guidelines and internal procedures

Functional Skills & Knowledge Requirements:
Must be a team player, have the ability to work under pressure, have a
professional image and be able to resolve problems and conflicts. Must be
able to prioritize work and effectively manage time. Must possess basic
business communications skills such as advanced writing, listening and have
basic office and mathematics skills, and customer service skills. Possession
of professional skills such as report writing, basic statistics, effective
presentation skills and creative skills are required. Previous experience
with Lotus Notes, Internet and MS Office Skills, including MS Word
Advanced, MS Excel Advanced and MS PowerPoint Level II required
Minimum Education and/or Certifications
Requirements: High School Diploma, Associates of Arts Degree or higher preferred
Minimum Work Experience Requirements:
Prior processing and underwriting experience in a residential lending
Technical and/or Other Essential Knowledge:
Bilingual, Compliance, banking and secondary market regulations as
applicable to mortgage lending
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