• Junior Underwriter

    Ballston Spa National Bank (Latham, NY)


    Latham, NY, USA | RETAIL LENDING | Hourly | 24.00-30.00 per hour Base salary plus bankwide incentive plan | Full Time

     

    | BSNB offers a generous compensation and benefits package. This includes medical, dental, vision, company-paid life insurance, voluntary insurances, both a 401(k) plan with a company match and a pension plan, and tuition reimbursement.

     

    Invest in Your Future at BSNB!

     

    We are growing! BSNB is seeking an experienced customer-focused individual to join our Retail Lending Department as a Jr. Underwriter, to support our continued growth! Join a nationally recognized bank and a capital region Best Place to Work!

     

    A DAY IN THE LIFE

     

    This position is responsible for the central underwriting of mortgages, direct and indirect consumer loans, home equities, mobile home loans, and instant money lines. This position will assist customers and branch staff by reviewing and analyzing credit and loan applications to make appropriate decisions within Bank guidelines.

    ESSENTIAL DUTIES

    + Upon receipt of application, perform all underwriting requirements for loans that will kept in portfolio, sold on secondary market, or put in REIT and enter into appropriate software systems in a timely manner.

    + Review file for all appropriate disclosures and additional required documentation. If additional items are needed, they are consistently included in the commitment letter.

    + Obtain and review the appraisal and all required documentation from the Branch/Loan Originator to support the AU findings. Complete the URAR Appraisal Desk Review form and ensure any issues on the appraisal are resolved.

    + Work closely with the Loan Originators to provide assistance in regard to product knowledge, pricing and file requirements. Maintain communication with the Loan Originators on loan status in a timely manner.

    + In conjunction with the Senior Underwriter and Underwriters, perform central underwriting of mortgages, direct and indirect consumer loans, home equities, mobile home loans, instant money lines. Insure loan decisions are consistent with policy, and recommend creative solutions for approval as applicable.

    QUALIFICATIONS

    OUR INVESTMENT IN YOU

    BSNB provides a generous compensation and benefits package. This includes medical, dental, vision, company-paid life insurance, voluntary insurances, and both a 401(k) Plan with a Company match and a pension plan.

     

    We invest in you with a generous paid time off package along with 11 paid holidays. We believe work-life balance is key to your success and investing in your professional development is key to your growth and satisfaction.

     

    BSNB provides all employees and applicants an equal employment opportunity in the manner required by law in all aspects of employment regardless of race, color, religion, creed, national origin, age, sex, sexual orientation, gender identity or expression, marital status, military status, disability, predisposing genetic characteristics, domestic violence victim status or any other status protected by local, state, or federal law. BSNB is a VEVRAA employer and has a desire for priority referrals of protected veterans. We thank all applicants for their interest and will contact those candidates who are under consideration.