[Remote] Mortgage Underwriter III

Note: The job is a remote job and is open to candidates in USA. Fifth Third Bank is dedicated to connecting great people to great opportunities in the banking sector. They are seeking a Mortgage Underwriter III who will perform a wide range of underwriting duties for residential mortgage loans, lead an underwriting team, and ensure compliance with credit guidelines while maintaining high levels of customer service. Responsibilities • Utilize all systems in place, including automated underwriting to underwrite files in a timely manner • Underwrite conventional, portfolio loans, and FHA/VA loans • Underwrite simultaneous second lien/home equity loans in appropriate origination system, within approved RCC lending authority • Manage expected service levels related to decision and condition clearing • Update information on loan origination systems to verify, add, and satisfy conditions • Contact Loan Originators with the decision on the loan immediately after underwriting the file • Monitor quality levels to ensure adherence to standards • Ensure team is providing a high level of customer service to internal and external customers • Determine success rate of meeting certain benchmarks, and update required team performance reports • Retrieve, review, distribute, and discuss reports related to the underwriting team • Monitor compliance issues, including that all team members attend required meetings and that all staff are in compliance with state and federal regulations • Provide feedback to other staff and loan officers • Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable • Responsible for the accuracy of HMDA decision data entry • Serve as an intermediary for loan issues with the Regional Sales Managers • Actively participate in ongoing efforts to continually improve customer service for internal and external customers • Perform personnel tasks for the team such as time sheets, coaching, and identifying training needs • Assist in training new hires • Maintain knowledge of Fifth Third Mortgage Company policies and procedures in addition to private investors, government investors and portfolio Credit Policy and Guidelines • Consumer lending credit authority is commensurate with consumer lending authority guidelines and business need Skills • Must have five (5) years experience in Underwriting • In-depth knowledge of conventional, government and portfolio lending guidelines FHA DE, VA LAPP preferred • Must have demonstrated ability to analyze complex loan requests including cash flow analysis of business and personal tax return • Knowledge of the complete mortgage lending process • Knowledge of financial analysis techniques • High degree of attention to detail • Demonstrated organizational skills • Demonstrated leadership skills • Strong written and verbal communications skills • Demonstrated teamwork and customer service skills • Strong PC skills (MS Office) required, must have experience with Mortgage origination systems, platforms tools and technology • Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired • Ability to make decisions in a time sensitive manner • Previous management experience preferred Benefits • Comprehensive benefits • Incentive compensation plan Company Overview • Fifth Third Bancorp is a financial services company that specializes in small business, retail banking, and investments. It is a sub-organization of Fifth Third Bank. It was founded in 1858, and is headquartered in Cincinnati, Ohio, USA, with a workforce of 10001+ employees. Its website is http://53.com. Company H1B Sponsorship • Fifth Third Bank has a track record of offering H1B sponsorships, with 2 in 2021, 43 in 2020. Please note that this does not guarantee sponsorship for this specific role.