Retail Loan Underwriter - Remote Position

About the Role

We're hiring a Retail Loan Underwriter to join our team at National Exchange Bank & Trust. This remote position offers an exciting opportunity to work in a trusted, genuine, and successful banking environment. As a Retail Loan Underwriter, you will play a crucial role in analyzing and evaluating retail loan products while ensuring compliance with established guidelines.

What You'll Do

• Perform credit functions related to retail loan products, minimizing risk and loss to the bank.
• Communicate with lenders and processors to ensure proper documentation is obtained.
• Utilize your understanding of state, CFPB, and OCC regulations to maintain compliance.
• Work independently while maintaining good customer relations and adapting to varying customer and transactional volumes.
• Quickly re-establish priorities in response to changing departmental needs.
• Communicate clearly and professionally in both written and verbal forms.
• Maintain a high level of confidentiality in all dealings.
• Proficiently use Microsoft Office tools to support your work.

Requirements

• 3–7 years of mortgage or retail loan underwriting experience.
• Bachelor’s degree in business or related field, or equivalent experience or industry certifications.
• Experience with Encompass or similar Loan Origination Systems is preferred.
• Strong understanding of banking regulations and compliance standards.
• Ability to work independently and adapt to a fast-paced environment.
• Excellent communication skills, both written and verbal.
• Proficiency in Microsoft Office applications.

Nice to Have

• Experience in a remote work environment.
• Knowledge of additional loan products and underwriting processes.
• Strong analytical and problem-solving skills.

What We Offer

• Competitive salary range of $80,000 - $100,000 per year.
• Comprehensive health, dental, and vision insurance.
• Health Savings Account with employer contributions.
• Short and long-term disability coverage.
• Employer-paid life and AD&D insurance.
• 401(k) with employer match and profit sharing.
• Flexible scheduling and telecommuting options.
• Education assistance program.
• Product and service discounts.