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Mortgage Underwriter II

Company: BOK Financial
Location: Oklahoma City
Posted on: November 12, 2019

Job Description:

Req ID:?52756?Areas of Interest:?Mortgage Operations?BOK Financial (BOKF), Headquartered in Tulsa, Oklahoma, BOK Financial Corporation (NASDAQ: BOKF) is a top 25 U.S.-based financial services holding company with operations in ten states ? Oklahoma, Texas, Arkansas, Arizona, Colorado, Kansas/Missouri, New Mexico, Nebraska and Wisconsin. The company began more than 100 years ago in Tulsa and has successfully diversified into a variety of industries, businesses and geographies.? ? ? ? ?? ? ? ? ?.The Mortgage Underwriter II is primarily responsible for the mortgage credit risk associated with underwriting complex conventional and government residential mortgage loans. This position ensures the highest level of credit quality by making sound and well-documented underwriting decisions based on a thorough knowledge of the banks? and the secondary markets? policies and guidelines and an in-depth analysis of loan documentation and data; ensures adherence to various investor?s guidelines and state and federal government regulations; makes credit risk decisions in timely and decisive manner while maintaining and managing an underwriting pipeline to achieve service level agreements; provides best in class customer service with a ?what can I do? approach to personal accountability; as a mortgage credit risk and underwriting subject matter expert, creates loan level solutions through proactive problem solving, analyzing complex loan scenarios and researching and answering underwriting questions; challenges the status quo by making recommendations on improving the mortgage credit risk and underwriting process, procedure and policy.

PRINCIPLE DUTIES AND RESPONSIBILITIES:

  • Makes credit risk decisions based on sound underwriting judgment, the application of underwriting guidelines and principles, and the thorough analysis of complex loan documentation; including appraisal reports, compliance inspections, credit reports, verifications, bank statements, tax returns and financial statements. Evaluates the credit worthiness of loan applicants and the value and marketability of the subject property. Insures loans meet all bank, investor, federal, state and local policies, guidelines and regulations. Communicates underwriting decisions in a clear and concise manner and within prescribed service level agreements and timeframes.
  • Provides best in class customer service with a ?what can I do? approach to personal accountability; acts as a mortgage credit risk and underwriting subject matter expert by creating loan level lending solutions through proactive problem solving, analyzing complex loan scenarios and researching and answering underwriting questions; provides leadership and ?models the way? by providing support and technical assistance to other underwriters, management, mortgage bankers, loan processors, and loan closers in order to increase production, improve quality, enhance efficiency, and maintain superior customer service; makes recommendations on improving the underwriting process, procedure and policy.

    KNOWLEDGE, SKILLS and ABILITIES:
  • Ability to apply sound credit risk principles and practices in making mortgage loan decisions in a timely and decisive manner
  • Thorough knowledge of mortgage underwriting procedures, policies, guidelines and regulations
  • Thorough knowledge of credit, income and asset analysis and property review and valuation
  • Thorough knowledge of mortgage investor?s guidelines to include; Fannie Mae and Freddie Mac
  • Ability to lead by example and participate as an effective member; conducts self as a professional
  • Ability to effectively solve problems
  • Excellent customer service skills
  • Excellent verbal and written communication skills
  • High degree of attention to detailWork is normally performed in climate controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of a normal office environment. No environmental hazards are encountered in performance of normal job duties.BOK Financial is a stable and financially strong organization that provides excellent training and development to support building the long term careers of our employees. With passion, skill and partnership you can make an impact on the success of the bank, our customers and your own career!
    ?
    Apply today and take the first step towards your next career opportunity!
    ?
    BOK Financial is an equal opportunity employer.? We are committed to providing equal employment opportunities for training, compensation, transfer, promotion and other aspects of employment for all qualified applicants and employees without regard to sex, race, color, religion, national origin, age, disability, sexual orientation, genetic information or veteran status.Attention All Third Party Agencies, Headhunters, and Recruiters
    BOK Financial and its Subsidiaries will not accept candidate submission by unsolicited third parties through this site or any company email address. All unsolicited candidates presented to BOK Financial and its Subsidiaries will be considered the property of BOK Financial. BOK Financial and its Subsidiaries will not be responsible for any fees associated with unsolicited candidates, nor will a contractual relationship be formed by the submission. BOK Financial and its Subsidiaries are not obligated and will not under any circumstances pay any fees to said third parties submitting candidates in this manner. BOK Financial and its Subsidiaries only forms contracts with recruiters with whom we have an established business relationship and with whom we have in place a signed agreement. All contact with BOK Financial and its Subsidiaries from third parties must be through our Human Resources Department. Any contact made outside of the BOK Financial Human Resources Department by a third party will cancel any future business relationships between the third party and BOK Financial.Please contact recruiting_coordinators@bokf.com with any questions.?

    Company Description:

    At BOK Financial, we---re proud to trace our roots to a small energy bank founded in Tulsa, Oklahoma over 100 years ago during an oil boom. Today, as a top 25 U.S.-based bank with more than $30 billion in assets, BOK Financial has successfully diversified into a variety of industries, businesses and geographies throughout the U.S. We have banking operations in eleven states, with services throughout the nation, and a full-service brokerage firm, BOK Financial Securities, Inc., which has become one of the largest municipal bond underwriters in the country. Our wealth management division also continues to grow, offering a full suite of services to individuals and institutions nationwide.Our focus each day is on meeting the needs of our clients by bringing the right people, services or solutions to the table. We continue to offer the personal touch of the neighborhood bank, with the breadth of experience, resources and products you expect from a regional powerhouse.We know the challenges our clients face because we---ve faced the same highs and lows over the past 100 years. Regardless of the economic cycle, BOK Financial continues to be a strong and stable company, adapting to ever-changing economic conditions. We work with you, side by side, to help you make the most of your money.

Keywords: BOK Financial, Oklahoma City , Mortgage Underwriter II, Other , Oklahoma City, Oklahoma

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