Full-time Bank Mortgage Loan Underwriter jobs in United States
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First State Bank · 15 hours ago

Full-time Bank Mortgage Loan Underwriter

positionMiddlebury, IN
timeFull-time
remoteOnsite
seniorityEntry, Mid Level
date2+ years exp

First State Bank is a growing community bank seeking an experienced Mortgage Loan Underwriter to join our in-house Mortgage Operations team in Middlebury, Indiana. This role supports responsible lending and excellent customer experience by reviewing mortgage loan files and ensuring compliance with regulatory requirements.

BankingFinanceFinancial Services
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Senior Management

Responsibilities

Review residential mortgage loan files to evaluate creditworthiness, repayment ability, and overall loan quality
Analyze income, assets, liabilities, credit reports, and supporting documentation
Ensure loans comply with applicable regulatory requirements and investor or secondary market guidelines
Review appraisals and third-party documentation for completeness and acceptability
Partner with Mortgage Loan Officers and internal teams to support timely and accurate loan decisions
Contribute to a positive borrower experience through clear communication and efficient processing

Qualification

Mortgage underwritingInvestor guidelines knowledgeAttention to detailClear communicationTax returnsCommunity bank experienceOrganizational skillsTeam collaboration

Required

High school diploma or equivalent required (college degree not required)
Minimum of two (2) years of mortgage lending experience
Experience with mortgage underwriting, processing, or secondary market lending
Working knowledge of investor guidelines and underwriting standards
Strong attention to detail and organizational skills
Clear written and verbal communication skills
Ability to work on-site

Preferred

Direct underwriting experience with conventional or secondary market loans
Familiarity with Freddie Mac, FHLB, or similar investor requirements
Experience reviewing tax returns and calculating qualifying income
Prior work in a community bank or relationship-driven financial institution
Comfort working in a collaborative, team-oriented environment

Company

First State Bank

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First State Bank provides consumer, agricultural, commercial, and financial services.
dateFounded in 1910
location
Middlebury, Indiana, USA
people-size51-200 employees
web-link
https://www.bfirst.bank

Funding

Current Stage
Growth Stage

Leadership Team

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D. Joe Caffee
President & CEO
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Lance Weirich
Senior Vice President - Chief Lending Officer
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Company data provided by crunchbase