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Senior Mortgage Underwriter

Plymouth, MN

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Description TCF Home Loans is hiring a Senior Mortgage Underwriter. This position will be located in our at our Plymouth Corporate Center. The Senior Mortgage Underwriter will evaluate residential loan packages according to Agency and Investor guidelines in order to determine borrowers' credit worthiness and acceptability of properties offered as security in real estate loan transactions.Responsibilities: Review and evaluate borrower(s) profile, including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals as per investor requirements. Exercise good judgment and conduct reasonableness tests related to credit risk. Review loan approval conditions prior to funding of loan and reworks loans if applicable to new terms, identifying additional requirements as needed. Must meet pre-set service level agreements. Analyze exception requests and determine acceptability to risk requirements and escalate appropriately for approval. Communicate with sales and operations staff regarding loan decisions, conditions and underwriting guidelines. Maintain a sound knowledge of business/industry practices as they impact residential mortgage underwriting and credit risk. Expected capacity of 2-3 new submissions per day, plus re-submissions. Qualifications Requirements: Minimum 5-10 years of mortgage underwriting experience Must have a strong knowledge of regulatory compliance requirements and advanced knowledge of Freddie Mac and Fannie Mae underwriting guidelines and appraisal policies. USDA underwriting experience a plus.u00a0 Understanding of TILA /RESPA (TRID), ATR and QM regulations. Strong analytical and decision making/problem solving skills. Excellent interpersonal, organizational, prioritization and time management skills. Proficient in Encompass and Microsoft Office.u00a0 Why choose TCF? Established in 1923, TCF has maintained a strong foundation. TCF has over 340 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota, providing retail and commercial banking services. TCF also conducts commercial leasing, indirect auto finance, and equipment finance business in all 50 states, and commercial inventory finance business in all 50 states and Canada. Our Benefits TCF encourages open employee communications and promotes from within whenever possible. We offer competitive pay, a comprehensive benefits plan, and opportunities for career advancement. For more details on our benefits, click on the Employee Benefits link on our career page. Weu2019re proud to be an equal opportunity employer All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, or other status protected by applicable law. TCF is proud to be an affirmative action/equal opportunity employer. Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. INDTCFMN #GD

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