First National Bank Texas

Underwriting Support Manager

First National Bank Texas  •  Killeen, TX (Onsite)  •  1 day ago
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Job Description

* Serves as a critical bridge between Sales, Processing, Underwriting, Secondary, and Investors by providing advanced loan structuring support, income calculation assistance, product guidance, and scenario analysis for Loan Officers and branch team
* Assist Loan Officers and operations staff with complex income calculations
* Help structure challenging loan scenarios to improve approval opportunities while maintaining compliance and investor eligibility.
* Review liabilities, debt ratios, reserve requirements, and compensating factors to determine best loan fit.
* Provide guidance on AUS findings, overlays, investor guidelines, and product eligibility.
* Assist with pre-underwriting reviews and scenario assessments prior to submission.
* Manage and oversee the Scenario Desk for Loan Officers and branch teams.
* Provide timely responses and solutions for complex or layered loan scenarios.
* Maintain a high level of responsiveness and customer service to internal teams.
* Help reduce avoidable underwriting suspense conditions and investor stipulations.
* Serve as an internal subject matter expert on approved investor products and programs.
* Educate Loan Officers on:
o Conventional, FHA, VA, USDA, Jumbo, Non-QM, DPA, and specialty products
o Investor overlays and differences
o Product positioning and borrower fit
o Structuring strategies to improve borrower qualification
* Communicate investor updates, guideline changes, and new product opportunities.
* Assist in creating educational tools, matrices, job aids, and training materials for sales and operations teams.
* Help Loan Officers better understand how to present and position financing solutions to borrowers and referral partners.
* Assist with investor communication as needed regarding:
o Suspense conditions
o Purchase reviews
o Trailing conditions
o Guideline clarification
o File escalation support
* Support post-closing and secondary teams in resolving investor issues when necessary.
* Help ensure files meet investor expectations prior to sale or delivery.
* Coordinate with underwriting, secondary, closing, and processing teams to resolve investor-related concerns efficiently.
* Assist with internal QC reviews and audit preparation.
* Provide general underwriting and operational support as needed.
* Participate in workflow improvement initiatives and process standardization efforts.
* Assist leadership with special projects, pipeline reviews, and operational initiatives.
* Support communication and coordination between Sales and Fulfillment teams.
* Promote a culture of responsiveness, accuracy, accountability, and service.
* Regular and predictable attendance and punctuality
* Other duties as assigned

Physical Requirements:
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other office machinery
* Must be able to lift up to 25 pounds

FNBT is an equal opportunity employer.
Qualifications
* At least 18 years of age
* High School Diploma or Equivalent, Management or Business degree preferred
* Strong knowledge of agency and investor underwriting guidelines including Conventional, FHA, VA, USDA, Jumbo, and Non-QM products.
* Advanced understanding of income analysis and loan structuring.
* Minimum of 3--5 years of mortgage underwriting, scenario desk, or advanced processing experience preferred.
* Strong communication and relationship-building skills.
* Ability to work effectively with Loan Officers, Operations, Secondary, and Investors.
* Detail-oriented with strong analytical and problem-solving abilities.
* Working knowledge of AUS systems, Encompass, investor portals, and mortgage documentation requirements.
* Ability to prioritize multiple requests in a fast-paced environment.
* Must successfully pass background investigation according to company policy
* Must be able to get along with co-workers and work effectively in a fast-paced team environment
First National Bank Texas

About First National Bank Texas

First National Bank Texas (FNBT) and First Convenience Bank (FCB), a division of FNBT, remain dedicated to providing customers with quality financial products and services. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings, we have grown to over $4 billion in assets and operate in over 340 locations in Texas, Arizona, Arkansas, and New Mexico.

Our bank has grown in many ways over the years, but our focus and commitment remain the same—providing customers with great banking solutions and world-class service. More than a century ago, we began the tradition of being a great community bank focused on the financial success of our customers. Today, more than 3,200 dedicated banking professionals carry on and maintain that established custom.

So much has changed since 1901, but our commitment to putting our customers first has not. As we continue to grow and serve customers, we remain committed to providing a combination of modern banking convenience and old-fashioned service.

Industry
Finance & Insurance
Company Size
501-1,000 employees
Headquarters
Killeen, Texas
Year Founded
1901
Website
1stnb.com
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