• Mortgage Underwriter

    Glens Falls National Bank and Trust Company
    Job Description
    Glens Falls National Bank & Trust Company is seeking a  
    Mortgage Underwriter  
    This opportunity may be perfect for you if you have:  
    · Solid problem solving, organizational and analytical skills, 
    · Strong communication skills, and general Lending knowledge 
    · Proficient in Microsoft Office Suite 
    In this position within our Mortgage department, you would be responsible for underwriting and presenting residential loan applications, analyzing supporting documentation and making appropriate decision recommendations which comply with operating policies and procedures established for the real estate lending function. 
    Responsibilities Include
    § Analyze income and credit worthiness to determine applicant ability and willingness to repay. 
    § Review and analyze income documentation, appraisal reports and other documentation for adequacy and compliance with Bank, secondary market, regulatory and other third party guidelines. 
    § Work directly with other Company personnel, closing attorneys, and real estate appraisers to ensure that files are complete and documented adequately prior to closing. 
    § Assist with administration of construction loans by making recommendations regarding builder approval, construction advance schedules and draw requests. 
    § Support closing and secondary market function by reviewing closing documentation and final secondary market loan file data.  
    § Prepare, review and reconciles reports as requested. 
    § Associate’s degree in a related field or equivalent experience required; Bachelor’s degree preferred 
    § 4-6 years of finance, real estate, legal or general business experience required; 2+ years of mortgage-related experience preferred 
    Skills/Knowledge Requirements: 
    § Solid problem solving, organizational and analytical skills; ability to extract and interpret information from multiple sources 
    § Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and other third parties 
    § Thorough knowledge of underwriting, all mortgage products, and current lending regulations 
    § Proficient in Microsoft Office Suite: Word, Excel, Outlook as well as banking-related software 
    We offer a pleasant work environment, career development opportunities, competitive compensation, and an exceptional benefits package. This position works out of our headquarters in Glens Falls, New York.  
    Glens Falls National Bank & Trust Company has been serving the region and helping our neighbors achieve their financial goals since 1851. We are proud to serve as a cornerstone in the community through charitable giving and unmatched volunteerism. We serve Warren, Washington, northern Saratoga, Essex, and Clinton counties through 30 offices. 
    We are an Equal Opportunity Employer. Our employment decisions are made without regard for: race, color, religion, national origin or ethnic origin, gender (including pregnancy), sexual orientation, gender identity or expression, age, disability, veteran status, or any other characteristic protected by law.
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