Full-Time / Fort Lee, NJ

Job Summary

We are seeking a highly skilled and knowledgeable Home Mortgage Loan Officer to join our newly established Home Mortgage Department. In this role, you will be responsible for evaluating and analyzing mortgage loan applications, ensuring compliance with both internal policies and regulatory requirements. The ideal candidate will have a strong background in residential mortgage underwriting, in-depth knowledge of home mortgage policies and procedures, and comprehensive knowledge of mortgage compliance. Your expertise will play a key role in helping to build and maintain the department’s success.

Responsibilities

Responsibilities

-Review and analyze loan applications to determine applicant eligibility and assess creditworthiness based on established underwriting guidelines

-Ensure all required documentation is complete and meets regulatory and company standards, paying special attention to compliance with federal, state, and industry regulations

-Evaluate risk factors associated with loan applications, ensuring compliance with lending policies, regulatory requirements, and bank guidelines.

-Work with internal teams, including loan officers, processors, and other stakeholders, to resolve any discrepancies or issues in the loan application process

-Effectively communicate loan decisions to applicants and internal stakeholders, providing clear reasoning for approvals, denials, or additional requirements

-Maintain thorough knowledge of home mortgage policies and procedures to ensure consistency and compliance with underwriting standards

-Stay up-to-date with changes in regulatory requirements, industry guidelines, and best practices, ensuring the underwriting process remains compliant

-Assist in developing, refining, and ensuring adherence to the department’s underwriting policies and procedures.

-Identify areas of improvement in the underwriting process and suggest changes to improve efficiency, compliance, and quality control

Requirements

-5+ years of experience in residential mortgage underwriting, with experience in FHA, VA, and conventional loans preferred.

-Strong knowledge of home mortgage policies, procedures, and compliance requirements, including familiarity with government regulations (e.g., RESPA, TILA, HMDA).

-In-depth understanding of underwriting guidelines and loan documentation requirements for various mortgage products.

-Proven experience in ensuring compliance with both internal and external regulatory standards and industry best practices.

-Excellent analytical skills and decision-making abilities with a keen eye for detail.

-Strong communication skills, both written and verbal, with the ability to effectively explain complex underwriting decisions to clients and team members.

-Ability to work independently, prioritize tasks, and meet deadlines in a fast-paced, dynamic environment.

자세한 사항은 하나은행USA 웹사이트 (https://www.hanabank.us/about-us/our-story/careers)에서 확인해주시기 바랍니다.

근무지: Fort Lee, New Jersey, 07024
예상 연봉: USD $90,000 ~ $100,000