Saratoga County Chamber of Commerce
Job Offer #15789

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Job Title.
   Mortgage Underwriter
Short Description of the Job.
   Looking to hire an experienced Mortgage Underwrite
Complete Description of the Job.
   Ballston Spa National Bank (BSNB) is looking to hire an experienced Mortgage Underwriter to join our Retail Lending department and help our customers with one of the biggest financial decisions of their lives. Do you enjoy knowing that you are making a difference in the lives of your customers and place a high value on organization and accuracy? Would you like to work with a dynamic, growing bank that values the contributions of its staff? This position earns competitive pay. We also offer great benefits, including medical, dental, vision, a 401(k) plan with a company match, a pension plan, 10 paid holidays, paid time off (PTO), company-paid life insurance, voluntary insurances, and tuition reimbursement. If this sounds like the right opportunity for you to leverage your skills, join our close-knit team today! ABOUT BALLSTON SPA NATIONAL BANK (BSNB) Established in 1838, we are proud to provide community banking to individuals, families, and businesses located in the greater Capital Region, including Saratoga County, Albany County, and the North Country. Thirteen full- service banking offices provide products and services geared towards meeting the needs of the markets we serve. Local decision-making, an extensive line of value-rich products, and friendly customer service have helped us to build a loyal customer base. As a community- minded financial institution, we make giving back and volunteer work a priority. We also like to give back to our staff. We find ways throughout the year to thank them for their hard work. The success of each staff member, as well as the bank, is at the heart of how we work. Staff development is key to our success, and contributions by each individual are recognized and celebrated. Working with us is like working with family. A DAY IN THE LIFE OF THE MORTGAGE UNDERWRITER As the Mortgage Underwriter, you are responsible for analyzing and evaluating residential home loan applications and the supporting documentation to assess borrowers' credit worthiness for both portfolio loans and loans for the secondary market. You will be able to recommend, approve or deny credit applications, and provide written and verbal decisions and documentation to support the lending decision. You will interact and work well with appropriate persons including loan originators, loan processor, and others within and outside the bank in order to obtain information for the credit decision. You are extremely attentive to detail and accuracy, because you know that your work directly affects your customers' home purchasing experience. You are always friendly and patient, always providing the exceptional customer service for which we are known. QUALIFICATIONS FOR THE MORTGAGE UNDERWRITER Associates Degree or Bachelor's Degree preferred; One to three years residential underwriting or commercial analyst experience preferred; Excellent judgment skills and the proven ability to make decisions within written policy and Standard Operating Procedures; Working knowledge of loan program products and services, including experience with the secondary market, knowledge of loan policies, and ability to recommend changes to Standard Operating Procedures; Familiarity with state and federal regulations; Strong understanding of HMDA, Regulation Z, and Regulation B. Additional qualifications required include: Excellent oral, written, and interpersonal communication skills; Exceptional attention to detail; Capability to multi-task; Proficient knowledge of computer systems including MS Office (Word, Excel, and Outlook) and Internet Browsers; Ability to efficiently and consistently produce accurate work; Solid commitment to customer service; Strong organizational and problem solving skills; Demonstrated ability to work in both a team and individual environment; BSNB is an Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, or national origin. BSNB is a VEVRAA employer and has a desire for priority referrals of protected veterans. For more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through our website.
Job Category.
   Financial Services
Job Level.
   Mid Career
Position Type.
   Full Time
Employer Info.
   Ballston Spa National Bank
990 State Route 67, PO Box 70
Ballston Spa, NY 12020

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