USACares Jobs

Job Information

Regions Bank Loan Fulfillment Home Loan Direct Underwriter in Hattiesburg, Mississippi

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored for a set period of time. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Job Description:

At Regions, the Loan Fulfillment HLD Underwriter is responsible for evaluating and approving or denying Home Loan Direct (HLD) loan applications in a timely manner according to investor and Regions guidelines.

Primary Responsibilities

  • Validates automated underwriting findings, asset, income, and credit documents while verifying accuracy and completeness

  • Compares files submitted to ensure Loan-to-value, FICO, Debt-to-income, etc. complies with established guidelines

  • Sets clear and concise conditions for missing documentation that are necessary to meet investor guidelines

  • Communicates underwriting decision and explains reasons for conditions in the Empower system

  • Responds to questions on conditions from processors in a reasonable timeframe

  • Documents and notifies all parties of any reasons for a suspended file and monitors timelines to make a final approval or decline

  • Reviews the underwriting conditions and re-runs the Automated Underwriting, if applicable

  • Performs cursory review of the appraisal for accuracy

This position requires the tracking of time and is eligible for overtime for hours worked in excess of 40 per week under the Fair Labor Standards Act.

This position is incentive eligible.

Requirements

  • High school diploma or GED

Preferences

  • One (1) year of underwriting or credit review experience

Preferences

  • Bachelor's degree

Skills and Competencies

  • Knowledge of agency and investor guidelines and regulations

  • Knowledge of sales contracts, applications and loan appraisals

  • Detail oriented

  • Good problem-solving skills

  • Good organization and communication skills

  • Ability to meet timelines

Position Type

Full time

Location Details

LOCH - Loan Operations Center Hattiesburg

Location:

Hattiesburg, Mississippi

EEO/AA/Minorities/Females/Disabled/Veterans

About Regions

At Regions, our culture focuses on five core values that are a commitment to how we will do business:

  • Put people first

  • Do what is right

  • Focus on your customer

  • Reach higher

  • Enjoy life

Through these values, our mission to make life better drives our desire to improve and make a positive difference in the communities where we work and live through financial investments and volunteering.

EEO/AA/Minorities/Females/Disabled/Veterans

DirectEmployers