Description This position must be onsite and is available to be filled at any Huntington Corporate office location. Summary: Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents are in alignment with product guidelines and supportive of the lending approval or denial decision made by the Underwriter. Duties & Responsibilities: Underwrite residential first mortgage files (conventional FNMA, FHLMC. Government, FHA/VA - Bond). Diverse portfolio including CRA throughout bank footprint. Confidence in underwriting risk-based portfolio product set from our Wealth Management Group. Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment. Adhere to all department service level standards for communication, production, and turn-time Supportive environment that offers autonomy, customer service and a commitment to doing it right. Perform other duties as assigned. Basic Qualifications: High school diploma or equivalent Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC) Must have recent underwriting experience with all conventional/government lending agencies Preferred Qualifications: Must obtain DE (Direct Endorsement) Designation within a timeframe established by management Underwriting experience with VA/FHA/USDA preferred FHA Direct Endorsement and VA LAPP Authority preferred Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals Strong cash flow analysis skills reviewing complex personal and business tax returns, P-L statements and financial statements Experience with risk accountability, law and regulation compliance and audit/regulatory examination response Proficient with loan origination software, Desktop Underwriter and Loan Prospector Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers Ability to work in a high volume environment with minimal supervision, while maintaining production service levels Strong analytical skills with attention to detail Customer service oriented Ability to multi-task while maintaining a high-level of flexibility #LI-NA1 #LI-Office Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis. Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration. Welcome to Huntington! At Huntington, we look out for people. From reinventing banking with game-changing innovations to building an internal culture that creates lifelong bonds, together, we can make people’s lives better. And amazing things happen when we look out for each other. We prove it every day. Whether it’s helping a colleague or collaborating on a new tool that will revolutionize the way people save money, our actions can have a huge impact. Our colleagues look out for people with a Can-Do Attitude, Service Heart and Forward Thinking. Those are our values—simple but powerful. Each of them pushes us do the right thing, to do right by people. Because people are what matter. If that sounds like you, we hope you’ll apply to join our team. If you’d like to learn more about how Huntington looks out for people, visit https://www.huntington.com/lookingout We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of this site or if you require a reasonable accommodation to apply for a job or to perform the essential functions of the job, please send an email to HuntingtonCareers@Huntington.com Reasonable Accommodations Reasonable Accommodations Various methods will be used throughout the recruitment process to verify candidate authenticity. Any interviews conducted virtually must be joined from a distraction-free environment, with the candidate on camera and without the use of virtual backgrounds. EEOC Disclaimer Know Your Rights CA Data Privacy CA Data Privacy Rights Tobacco Disclaimer Tobacco-Free Hiring Practice Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.