Mortgage Underwriter – Financial conditions, statements and tax returns

**Mortgage Underwriter
– Financial conditions, statements and tax returns****Description**At Bank of the West, our people are having a positive impact on the world.

We’re investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy.

From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people’s lives, and strengthen communities.

We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs).

Yes, we’re a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.**Job Description Summary**Responsible for reviewing and making informed decisions on assessing moderate to complex Mortgage/HELOC loan applications.

Advance expertise on analyzing Self-employed loan applications.**Essential Job Functions**+ Requests and evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements).

Identifies recurring and non-recurring income/expenses.

Comprehends all schedules, notes, and K-1’s.

Understands and adjusts for differences between cash and accrual accounting methods.

Analyzes related documents including; receivable aging, purchase agreements, invoices, lease agreements, brokerage statements, etc.+ Identifies credit strengths, weaknesses, industry risk, and anomalies that lead to further investigation.

Prepares thorough credit summary and communicates decisions in a timely manner.+ Collaborates with Mortgage Banking Officers, communicating the reasoning for a particular decision, serving as an expert credit resource answering questions and providing guidance on financial matters, collateral, and loan structure.**Other Job Duties**+ Performs other duties as assigned.**Qualifications****Education**+ Bachelor’s Degree Business Administration or related area or equivalent combination of education and experience**Required Experience**+ Requires 5 years minimum prior relevant experience in complex credit analysis or underwriting experience+ Ability to analyze financial conditions, financial statements, and tax returns.+ Excellent written and verbal communication.+ Ability to work effectively with individuals and groups.+ Proficient in Microsoft Office (i.e.

Word, Excel,)+ Knowledge of credit policies, procedures, practices and documentation.+ Excellent organizational skills**Skills**+ Very good knowledge of mortgage credit processing and underwriting.+ Very good knowledge of loan documents and real estate terminology, FHLMC/FHA/VA.FNMA guidelines and portfolio lending practices, and State and Federal agency policies and procedures.+ Knowledge of Bank’s lending policies and procedures.**The salary range displayed below is based on a Full-time 40 hour a week schedule.****Colorado
– Virtual Work From Home****Salary range:** $75,000
– $105,000Salary offered dependent on location, experience, skills, and education.This role is eligible to participate in an incentive plan.**Benefits:** Visit ankofthewest.com/about-us/careers/benefits.html for benefits information.**Equal Employment Opportunity Policy**Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law.

Bank of the West is also an Affirmative Action employer
– Minority / Female / Disabled / Veteran.Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.**Job:** Mortgage**Location:** United States-Arizona-General AZ**Other Locations:** United States-Illinois-General IL, United States-Wisconsin-General WI, United States-Minnesota-General MN, United States-Missouri-General MO, United States-North Dakota-General ND, United States-Iowa-General IA, United States-Kansas-General KS, United States-Nevada-General NV, United States-Wyoming-General WY, United States-Washington-General WA, United States-Oklahoma-General OK, United States-New York-General NY, United States-Utah-General UT, United States-Colorado-General CO, United States-Georgia-General GA, United States-Ohio-General OH, United States-New Mexico-General NM, United States-South Dakota-General SD, United States-Texas-General TX, United States-Oregon-General OR, United States-California-General CA, United States-North Carolina-General NC, United States-Nebraska-General NE**Requisition ID:** 053404

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