Position Summary

Underwrite mortgage loan applications in accordance with industry standards, investor requirements and Heritage Bank loan policy to minimize potential risk or loss.

Core Responsibilities

• Underwrite a full range of mortgage loans including Agency, Jumbo, FHA, and VA loans 
• Proactively manage a pipeline of loans and ensure all documentation meets company guidelines 
• Provide best-in-class client service through professional communication and with internal and external customers 
• Analyze and evaluate loan applications and supporting documentation to determine program eligibility, credit worthiness and assess the repayment capacity to maximize profit and minimize risk or loss
• Communicate the written underwriting findings and assist with possible resolutions to deficiencies found in the file

Secondary Responsibilities

• Responsible for performing professional and accurate service
• Attend committee assignments and staff meetings as scheduled
• Responsible for compliance with laws and regulations applicable to this position
• Participates in Team/Committee meetings as assigned
• Participates in all required BSA training and demonstrates the knowledge of BSA relative to job responsibilities
• Responsible for security as it applies to this position
• Perform other tasks as assigned.

Bank Standards

At Heritage Bank, we are committed to a customer-centric, service-driven culture. We operate under the following core standards:

• Mission: Help people succeed financially.
• Ethics: Always do the right thing. 
• Solutions: Bring innovative solutions to challenges. 
• Ownership: Take accountability and learn from our mistakes. 
• Positivity: Bring energy and enthusiasm to everything we do. 

Compensation & Benefits

Get ready to be rewarded! Full-time team members enjoy a comprehensive benefits package including paid time off, paid holidays, and even paid volunteer days. Your health is covered with medical, dental, and vision insurance, plus plan for your future with our 401(k) and ESOP retirement plans. Enjoy additional benefits and incentives consistent with our company policy. Join us and discover how rewarding your career can be!

Disclaimer

This job description outlines the general nature of the role and is not intended to be all-inclusive. Duties, responsibilities, and benefits may change as business needs evolve. Employment is at will, meaning either the employee or the Company may end the employment relationship at any time, consistent with applicable law.  

We are an Equal Opportunity Employer and value diversity at all levels of the organization.

Qualifications

• High school diploma or GED required; BA or BS desired
• 3-5 years of mortgage underwriting experience required, ideally with 2 years in FHA/VA loans
• FHA Direct Endorsement, VA-SAR, and LAPP certifications desired, but not required.
• Proficiency with automated underwriting systems
• Self-starter with strong work ethic and professionalism
• Well-developed interpersonal, written and verbal communication skills
• Proficient computer skills
• Detail oriented with excellent decision making and problem-solving ability
• Able to work accurately under deadline pressure