Loan Underwriter - Killeen, TX

* At least 18 years of age
* High school diploma or equivalent
* 5 years mortgage experience; preferably two years in a mortgage underwriting environment
* Good communication skills
* Must be detail oriented, analytical, and organized
* Knowledge of Ellie Mae and VA LAPP and FHA DE authority required
* Must successfully pass background investigation according to company policy
* Must be able to get along with co-workers and work effectively in a team environment

* Approve or deny mortgage loans, following mortgage standards, according to VA, FHA, FNMA, FHLMC, Investor, QC and Bank guidelines
* Review and evaluate information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards
* When denying a loan, specify investor and institution guidelines and basis for declining application; must be consistent with all decisions
* Evaluate acceptability of loans to investors in the secondary market
* Review credit reports and give loan officers and loan processors guidance on how to make the loan work
* Ensure the needs of the customer are met
* Senior level may supervise underwriters in department
* Regular and predictable attendance and punctuality
* Other duties as assigned

Physical Requirements:
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other office machinery
* Ability to lift up to 25 pounds

FNBT is an equal opportunity employer.