Consumer Underwriter
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Job Description
Location: On site at location listed in the posting.
At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.
Summary
Underwriter Specialist provides cursory analytical support for Consumer/Portfolio Mortgage underwriting groups including spreading and preliminary analysis of existing customers and prospects.
Key Responsibilities
- Ensures the consumer loan application information provided is accurate and complete
- Performs credit analysis and makes credit decisions within authority limits
- Ensures accuracy of any preliminary analysis presented
- Reviews and analyzes applicable ratios (i.e., DTI, PTI, & LTV)
- Reviews proof of income and financial statement documentation when required by policy
- Provides financial statement spreading on loan request when necessary
- Contacts bankers to gather information to make appropriate decisions and explains loan decision
- Performs other duties as assigned
Requirements
- Bachelor (4-year college) degree and 1-3 years of experience or equivalent combination of education and experience
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.
Benefit Highlights
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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Automate your job search with Sonara.
Submit 10x as many applications with less effort than one manual application.