ServisFirst Bank · 2 months ago
Mortgage Underwriter
Birmingham, AL, US
Full-time
Onsite
Mid, Senior Level
5+ years expServisFirst Bank is dedicated to providing exceptional banking services, and they are seeking a Mortgage Underwriter to ensure the timely and accurate underwriting of mortgage loan files. The role involves assessing loan attributes, ensuring compliance with guidelines, and providing guidance to other mortgage department personnel.
BankingFinanceFinancial Services
Responsibilities
Underwrite mortgage loans to ensure compliance with bank and investor guidelines
Assess loan attributes and documentation for soundness and accuracy
Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines
Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines
Determine and document loan conditions, requirements, and decisions
Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID
Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans
Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary
Maintain knowledge of all applicable underwriting guidelines
Review legal and regulatory compliance documents for accuracy
Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time
Provide guidance to processors regarding procedures and requirements
Assist closing/post-closing personnel to ensure loan is purchased by investor
Perform administrative duties such as faxing, photocopying, filing and phone support as necessary
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Qualification
Required
High school diploma or equivalent; some college preferred
Five (5) years of mortgage lending experience
Three (3) years of mortgage underwriting experience
Basic knowledge of bank operations and products
Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies
Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements
Excellent knowledge of agency and investor guidelines
Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence
Proficient in Microsoft Outlook, Word and Excel
Excellent customer service and time management skills
Ability to multitask, as shown in previous experience completing tasks under time constraints
Good organizational skills
Good data entry/keyboarding and math skills
Preferred
Some college preferred
Previous experience using automated underwriting technology preferred
Company
ServisFirst Bank
ServisFirst Bank is a full service commercial bank focused on commercial banking, correspondent banking, cash management, private banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service.
501-1000 employees
Funding
Current Stage
Public CompanyTotal Funding
$119.34M2020-10-27Post Ipo Debt· $34.75M
2017-11-17Post Ipo Debt· $30M
2015-07-15Post Ipo Debt· $34.75M
Leadership Team
Angel Stinson
Senior Vice President/Senior Credit Officer
Jim Holtkamp
Executive Vice President, C.E.O.
Recent News
2026-01-21
2025-12-16
GlobeNewswire
2025-12-16
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