Description Huntington Bank is looking for a Business Banking Underwriter IV. Duties & Responsibilities • Responsible for underwriting Business Banking SBA loans to determine credit worthiness and compliance with Bank and SBA lending policies. • Reviews all financial information to make credit decisions. • Acts as a liaison to internal customers to resolve business lending issues. • Maintains knowledge of lending policy and compliance standards. • Adheres to bank policies and procedures and complies with legal and regulatory requirements. • Follows, or in some cases establishes, as required, effective controls and processes to ensure risks are measured, monitored and controlled and compliance requirements are adhered to on an on-going basis. • Keeps abreast of risk-related changes that may impact assigned work functions and processes. Basic Qualifications • Bachelor's degree • Minimum of 7 years of experience analyzing and/or underwriting loans for business/commercial clients in Business Banking Preferred Qualifications • Bachelor's degree in Finance, Accounting or Business • Experience with SBA or other government guaranteed loan programs • Microsoft Office Suites (excel, pp, word) • Excellent analytical skills along with the ability to write in a concise, logical manner to clearly document transactions risks and mitigants • Customer service focus and good interpersonal skills are critical to be successful in this position along with a desire to work in a fast-paced environment • Experience working in financial sales environment 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. Compensation Range The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). 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.
See More Details >>Description Summary: The Mortgage Loan Processor 2 is a critical customer facing position that performs a wide range of duties related to the processing and pre-underwriting of residential mortgage loans. Duties are both file and vendor level in nature. Maintains regular contact with both external and internal customers to ensure workflow deadlines are met. Assumes responsibility as the point person and coordinates processing the loan file from receipt in Fulfillment until submission to Closing. Proactively communicates status on the loan to borrowers and loan officer and maintains contact with external and internal partners to ensure expected closing deadlines are met. Primary responsibilities include reviewing and verifying loan documents including W-2 income, IRS tax returns, self-employed borrower income, assets, credit, appraisal, condo certification, homeowner’s insurance, title insurance, etc., and ensuring the information is complete, accurate and complies with underwriter and program details. Must be able to communicate clearly and effectively with multiple people, multitask, work in a team environment, and manage an assigned pipeline. Exceptional attention to detail - the right candidate must be organized, able to multitask and have excellent time management Duties & Responsibilities • Processes FHA, VA, Conventional, and Jumbo loans • Financial Analysis – Knowledge of and ability to read, interpret and draw accurate conclusions from financial and numerical material. Verify and analyze loan documentation including credit reports, income, asset, appraisal, title, homeowner’s insurance documents - as well as general ways to structure a loan • Ensures a minimum level of documentation (e.g., credit worthiness, analyzing income and asset data) is submitted prior to delivering a loan file to Underwriting for review utilizing fraud and compliance tools, review alerts and clear conditions • Demonstrate working knowledge of federal and state guidelines, rules and regulations such as RESPA, TILA, HMDA, etc. • Update fees based on the preliminary Closing Disclosure, corrected documents, and loan change requests and ensure any changes which require redisclosure have been accurately notated and checked in the loan origination system for compliance purpose • Organizes and uploads documents to the image system, validating what has been provided and indexing items into the appropriate folders. • Nurture a pipeline of loans maintaining timely and compliant flow to meet internal and external service level agreements • Prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with expected timelines • Effective communications – Understanding of effective concepts, tools and techniques; ability to effectively transmit, receive and accurately interpret ideas and information • Contact borrowers to collect required documentation and be a liaison between origination, underwriters, relators, and borrowers. Borrowers include first time home buyers, private client group, existing and new bank customers, and customers seeking purchase or refinances • Work closely with our Loan Officers and Personal Production Assistants to ensure a timely and accurate experience of the customer throughout the mortgage process. • Interact with mortgage professionals to obtain information from the borrowers or to seek clarification about documents in the loan files • Manages an average pipeline of loans within assigned operations center • Performs other duties as assigned. Basic Qualifications • High School Diploma/GED • Minimum of 1 year of demonstrated residential mortgage processing or previous experience fulfilling the roles of Processor, Loan Officer Assistant, Loan Officer, Closer, or equivalent mortgage operations position Preferred Qualifications • College degree • Current working product knowledge of FHA, VA, Conventional and other loan programs such as Jumbo, Portfolio, construction to permanent, down payment assistance and bond programs. • Experienced in automated underwriting to include Fannie/Freddie (CONV/FHA/VA/RD) • Self-motivated, self-reliant person who can succeed in a remote position, working from home • Excellent disposition, mindset, communication skills and work ethic • Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment • Strong listening and problem-solving skills • A commitment to integrity and customer service • Demonstrate working knowledge of federal and state guidelines, rules and regulations such as TRID and Reg B • Ability to analyze income and tax forms accurately and calculate income for all types of borrowers • Strong knowledge of mortgage procedures, processes, and documentation • Able to work independently on processing various loan applications • Able to prioritize in order to meet loan closing deadlines • Familiarity with Microsoft, mortgage, and banking applications/software Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) No 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.
See More Details >>Becoming a carpenter in Huntington, KY typically starts with an apprenticeship, which combines hands-on experience with classroom learning, allowing individuals to earn while they learn. Apprenticeships last about four to five years, requiring many hours of training under licensed professionals. According to the U.S. Bureau of Labor Statistics, the average annual wage for carpenters in the United States is approximately $41,748, translating to about $802 per week. In Huntington, KY, carpenters can earn an average of $85.86 per hour, with an annual overtime average of $4,464. Trade schools, unions, and platforms like Gild help aspiring carpenters find apprenticeship opportunities, leading to a career with strong earning potential—often exceeding $108,000 annually for experienced professionals.
