Underwriter

***No agencies or 3rd party Recruiters please. Thank you! ***

Who we are:

Cornerstone Home Lending, a division of Cornerstone Capital Bank, is a unique national home lender with a reputation of amazing service, customer satisfaction, employee retention, and happiness. We employ people who are passionately committed to Cornerstone’s Mission, Vision & Core Convictions. Our brand is known for on-time closings - a key core conviction of Cornerstone. We have successfully navigated our company through many industry cycles and changes in regulations.

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are looking for:

Cornerstone Home Lending is looking for an experienced Underwriter, who will bring enthusiasm, attention to detail, and a servant heart to our team of top-tier mortgage professionals.  This professional will work in a tight-knit, goal-oriented team where our Customers and Loan Officers can rely on them to ensure an accurate and quality product.

Key Responsibilities:

• Completes a thorough analysis of loan files to determine compliance with investor.
• Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral.
• Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met.
• Verifies the accuracy of all calculations.
• Recommends the loan disposition, for loan amounts in excess of authority limitations, to Manager.
• Maintains a working knowledge of secondary market underwriting guidelines, private investor and private mortgage insurance guidelines.
• Assists with maintaining compliance with all applicable federal, state and local laws, regulations and ordinances by abiding by compliance program and all policies, procedures, rules and regulations.
• Assists in the development of underwriting standards.
• Assists mortgage production team in qualifying loans.
• Aids processors, giving general guideline interpretations and answering questions on specific loan files.
• Responds to post closing review and quality control audits in a timely fashion.
• This is not intended be an all-inclusive list of job duties.
• Multi-tasking, high volume, available to be flexible and work weekends as needed

What you’ll need to be successful:

• 3-5 years mortgage underwriting experience required.
• Excellent documentation, organization and analytical skills, required.
• Excellent oral communication skills, required.
• Excellent Customer Service skills
• Excellent verbal and written communication skills; analytical skills
• Ability to handle frequent changes
• Creative/innovative problem solver.
• Confidentiality required in handling of security
• Credit decisions on conforming loan documents

What we offer: 

Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus. 

What to do next: 

If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're a part of our Cornerstone team, we'll continue to invest in you as a valuable asset to our company. As many of our team members can tell you, there's something special about working at Cornerstone.