Job Description

Meridian Bank (subsidiary of Meridian Corporation, Nasdaq: MRBK) is an innovative team of experts serving the financial needs of entrepreneurs, businesses and individuals. Growing throughout Pennsylvania, New Jersey, Delaware, Maryland and Florida, Meridian offers opportunities for anyone wishing to start or continue a career working in a collegial atmosphere to bring unrivaled service to clients and customers. Member FDIC | Equal Housing Lender”

Position summary: Responsible for performing various duties to support the Underwriting Department; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for this position. Reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information.

Qualifications required:

• Bachelor’s degree in Finance or related field; or equivalent work experience
• Ability to work in a team environment
• Strong computer skills (MS Office, etc.)
• High degree of attention to detail and ability to multitask
• 3-5 years current, demonstrated experience as a FHA mortgage underwriter
• DE Certification a must
• Ability to research, read and correctly apply agency and company guidelines
• Understand how Conventional, Rural Housing, FHA and/or VA guidelines relate to internal and investor guidelines required
• LAPP certification preferred
• Experience in Underwriting USDA/ Rural Housing loans preferred
• Strong understanding of manual underwriting guidelines.

Essential functions and responsibilities:

• Reviews and evaluates information on mortgage loan documentation to determine if borrower and/or property meet loan standards
• Completes a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards
• Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensure an “investor’ quality loan product
• Meets or exceed established production goals and quality standards
• Provides superior customer service to internal and external customers
• Be available to processors and loan officers for general guideline interpretations and questions on specific loan files
• Continually exhibit an understanding of automated underwriting and guidelines
• Checks accuracy of all calculations
• Communicates decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing
• Demonstrates and promotes Meridian Bank’s Core Values: Our Partners, Our People, Our Bank and Our Communities
• Coordinates specific work tasks with other employees within the department as well as with other departments in order to ensure the smooth and efficient flow of information
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place
• Communicates with management and coworkers in order to integrate goals and activities
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
• Other duties as assigned

Success factors/job competencies:

• Organizational and time management skills
• Superior customer service skills and attitude
• Excellent analytical and decision making skills
• Ability to work with little or no supervision
• Excellent interpersonal and communication skills (verbal and written)
• Timely and regular attendance
• Attention to detail
• Completes work in a timely manner
• Actively seeks coaching

Application Access:

• Encompass
• DU/LP/GUS

Physical demands, work environment, and location:

• Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the necessary functions. This is a largely sedentary role, requiring the use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment.
• Work environment: The noise level in this environment is minimal
• Location: Various Meridian Bank locations as assigned

Equal Opportunity Statement

Meridian Bank is an Equal Opportunity Employer

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