Job Description

Join to apply for the Mortgage Underwriter role at Byron Bank . This range is provided by Byron Bank. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Base pay range $54,672.00/hr - $85,425.00/hr Make confident loan decisions with a company that's got your back. At Byron Bank, we believe mortgage underwriting is both an art and a science—and we're looking for a skilled underwriter who brings thoughtful judgment, sharp attention to detail, and a deep sense of care for the people behind the paperwork. As a community bank, we don't just process loans—we help neighbors become homeowners. In this role, you'll play a critical part in that mission by assessing risk, ensuring compliance, and supporting our borrowers with integrity and expertise. Why Join Byron Bank? Community-first culture — With our You Ask. We Help. promise, we serve people, not just accounts. Supportive team environment — Your expertise is trusted and your voice is heard. Growth opportunities — We invest in our people through training, mentorship, and career advancement. Stability with heart — A strong bank with deep local roots and long-standing customer relationships. Ready to Apply? If you're a mortgage underwriter who wants to do meaningful work in a company that values both people and precision, we'd love to hear from you. Apply now and help us keep building strong financial futures — one loan at a time. Job Summary The Mortgage Underwriter will underwrite mortgage loans ensuring compliance within regulatory agencies and Bank guidelines. This individual is a financial professional responsible for evaluating and assessing the risk associated with mortgage loan applications. They play a crucial role in the lending process by ensuring that loan applications meet the lender's guidelines and regulatory requirements. This individual will examine loan documentation for accuracy and completeness and will work with Mortgage Loan Officers and Mortgage Department staff to secure all required documentation. Supervisory Responsibilities None Job Duties & Responsibilities Review mortgage loans to ensure accuracy and completeness, validate findings to verify that all information matches. Instruct Mortgage Loan Officers and Processors on any errors for training purposes. Authority to approve or deny loan files as presented on guidelines assuring investor quality loans. Review title to verify the customer has ownership on a refinance transaction and that the seller has ownership for purchase transaction. Check that chain of title meets investor requirements. Verify there are no unpaid liens or judgments and that all mortgage liens are being paid off through the transaction. Review all documentation, loan parameters, compliance documents for investor quality, prevention of fraud and ensure credit quality is in place. Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score. Perform mortgage credit analysis to determine borrower's willingness and ability to repay the mortgage debt. Evaluate risk to ensure a prudent decision is made. Perform a detailed review of appraisal for one-to-four family residential properties to determine acceptability of security for portfolio loans and loans sold to investors. Review all origination files to ensure the customer has been offered the best mortgage program. Adhere to guidelines to ensure all loans are closed properly according to internal and external investors in a timely manner. Assist officers & staff in keeping current on changes with current investors, compliance & programs as well as any new programs or investors. Underwrite & compile loans which are underwritten by other investors such as IHDA or DPP loans. Communicate with investors as needed – FHLMC, IHDA, PMI, FHLBC. Assure integrity of information submitted to loan prospector. Perform all final reviews of files prior to closing, assuring the integrity final loan prospector submission. Available to officers & staff for underwriting questions. UW for Affordable Second Mortgage (D.P.P. & D.P.A.). Complete audits as requested from Investors (FHLMC & PMI companies). Additional Duties & Responsibilities Assist other staff members, when instructed, as back-up. Communicate with title companies from time-to-time. Assist when instructed in investigating other or additional program possibilities. Communicate with appraisers. Review borrower requested PMI removal for compliance and approval (including ordering BPO from Freddie Mac). This position description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. Duties and responsibilities may change, or new ones may be assigned at any time with or without notice. Required Skills & Attributes Ability to carefully assess complex financial information, credit history, and risk factors. Ability to meticulously review documents to avoid errors or overlooked issues that could lead to financial risk or compliance breaches. Confidence and ability to make timely and well-informed judgments about loan applications based on thorough analysis. Ability to communicate clearly and effectively with loan officers, applicants, and third parties to request information, clarify concerns, and convey lending decisions. Education & Experience Thorough understanding and knowledge of mortgage lending guidelines, federal regulations, and industry best practices. A bachelor9s degree in finance, business, or economics or related field is preferred. Minimum of three years7 experience of FNMA and FHLMC and underwriting guidelines, as well as conventional investors, state and local bond programs, and private mortgage insurers. Minimum of five years7 mortgage underwriting experience preferred. Physical Requirements Ability to sit for up to 8 hours a day. Ability to work on a computer for extended periods of time. Travel None. Benefits Health Insurance (Medical, Dental, Vision) 401(k) 401(k) Match Health savings account Life insurance Paid time off Compensation Range of Position Minimum: $54,672 Midpoint: $68,340 Maximum: $85,425 Work Location Byron Equal Employment Opportunity Byron Bank provides equal opportunity for all employees and applicants for employment and makes all employment decisions without discrimination on the basis of race, religion, color, sex (including pregnancy and gender identity), sexual orientation, national origin, age, disability, family medical history or genetic information, political affiliation, military service, disability challenges, marital status, ancestry, status upon discharge from military service, order of protection status or other non-merit based factors (actual or perceived). These protections extend to all management practices and decisions, including recruitment and merit practices, appraisal systems, promotions and training, and career development programs. Seniority level Mid-Senior level Employment type Part-time Job function Finance and Sales Industries Banking #J-18808-Ljbffr Byron Bank

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