Second Level Review Analyst at Truist

Retail Mortgage Loan Underwriting Analyst

Perform detailed reviews of retail mortgage loans recommended for denial to ensure the loan does not meet investor/insurer and/or TRUIST guidelines.

Essential duties and responsibilities include:

• Perform detailed underwriting analysis of retail mortgage loans that have been recommended for denial ensuring the recommendation is accurate and the loan does not meet requirements for approval.
• Complete data entry in LOS (Loan Origination System) for denial codes, ensuring accuracy of information reflected on Adverse Action Notices.
• Assist with review of current desktop procedures for processes in which reviews are performed.
• Provide coaching to internal partners regarding best practices and requirements as outlined in policies & procedures.
• Provide timely responses and documentation for any Retail and Compliance review findings on loans that were Adversed.

Required qualifications:

• High School diploma or equivalent education
• Seven years of mortgage loan origination experience
• Strong knowledge of all investor/insurer and regulatory guidelines, applicable laws, and company audit policies and procedures
• Work in a deadline driven environment
• Effectively interact with management and internal partners
• Exhibit a keen attention to detail and the ability to quickly comprehend information
• Strong interpersonal, analytical and problem-solving skills
• Strong verbal and written communication skills
• Understanding of complex personal and business tax returns, cash flow analysis, and documentation utilized in complex lending situations

Preferred qualifications:

• Expertise in Microsoft Office (Excel & PowerPoint)
• Strong coaching skills

Other job requirements/working conditions:

• Sitting/Standing/Walking/Bending/Lifting? Sitting Constantly (More than 50% of the time) Standing Choose an item. Walking Choose an item. Bending Choose an item. Lifting Choose an item.
• Visual / Audio / Speaking Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
• Manual Dexterity / Keyboarding Able to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.
• Availability Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
• Travel Up to 25%

General description of available benefits for eligible employees of Truist Financial Corporation:

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace.