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KS StateBank Residential Mortgage Underwriter - Overland Park in Overland Park, Kansas

This job was posted by https://www.kansasworks.com : For more information, please see: https://www.kansasworks.com/ada/r/jobs/11316044 In this position you will review and underwrite loan applications to include: FHA, VA, Conforming, Investor loans, USDA Guaranteed, and portfolio loans in accordance with guidelines and compliance standards. You will also inform our processors, loan officers and management of your findings. ESSENTIAL FUNCTIONS* Analyzes credit, income, tax returns, assets and appraisals; determine the borrower's credit worthiness and ability to repay the loan as agreed for the terms requested* Mitigates bank risk by conducting a thorough and prudent review of each loan file; dispositions loans within bank issued underwriting authority limits* Seeks management approval when loan limit exceeds the underwriter's authority.* Clear all conditions of the loan and prepare files for the closing department.* Delivers full disposition of loans within 48-72 hours of receiving the loan files into underwriting; clears conditions of loans in less than 24 hours.* Identify and report any suspected fraudulent activity occurring with any stakeholder and escalate issues to the appropriate management when necessary* Keeps abreast of all company policies and procedures as well as federal and state regulatory changes by participating in in-house training events.