JOB DETAILS
Loan Underwriter
CompanyFirst Citizens Community Bank
LocationRichmond Township
Work ModeOn Site
PostedOctober 19, 2026
About The Company
A simple philosophy can lead a company to great rewards. Treat your customers, your employees, and your communities with respect and you will earn their loyalty. Our strategy has never been about selling products, but instead about finding ways to make life more rewarding for our customers and employees.
We know that our employees are our strongest asset! We have a knack for hiring the finest and brightest and understand how fostering their growth impacts customer service. So, we accommodate families, invest in their futures, and recognize hard work.
Many years of experience have enabled us to overcome obstacles that stand in the way of customer satisfaction. We are proud that customer surveys consistently show 99% of our customers would recommend us to their family and friends. And for two years in a row, we were voted the number one Bank in Pennsylvania for satisfaction and trust by our customers.
The foundation of our financial strength lies in our ability to recognize and proactively meet the needs of our customers. For this reason, we stand out when compared to other financial service providers in our market. At FCCB we offer a winning combination — the one-on-one service of a community bank paired with a broad line of products and services typically offered by larger financial organizations. Stop by your local office, follow us on Facebook, or visit our website to see what a true community bank is all about!
About the Role
Description
- Responsible for underwriting consumer mortgage loans according to portfolio, agency and investor guidelines and ensuring the salability to investors, having a good working knowledge of loan underwriting and loan processing. Ensure loans and appraisals are reviewed within credit quality and standards of company, agency, and investor guidelines, as well as review of title reports to ensure no judgments, mortgages, mechanical liens, or any other issues that will affect the bank’s lien position.
- Ensure asset quality standards are maintained in the origination of residential mortgage and consumer portfolio loans and secondary market loans, adhering to all underwriting standards, loan policies and regulations, and documentation requirements.
- Provide back-up support to Senior Mortgage Underwriters including, but not limited to, appraisal, income, asset, investor suspense’s, and quality control reviews. When needed, provide administrative and technical support to other underwriting personnel and support over processing staff and loan officers, when applicable.
- Communicate with processors and loan officers when any issues arise if a favorable decision cannot be made or if loan needs restructuring. Complete denials when the loan cannot be restructured and does not meet agency, bank, and investor guidelines.
- Responsible for lending compliance including mortgage and consumer loan compliance. Work with Processing and the Underwriting Manager to ensure that all policies and procedures meet regulatory lending requirements. Remain current on changes within the legal, regulatory, economic, competitive, and technology environments which may affect real estate lending programs. Keep abreast of current real estate markets in the local area as well as outlying areas and branch service areas.
- Assist underwriting and closing departments in the Construction to Conversion modification process.
- Ensure the adequacy of loan documentation and perfection of security interests.
- Constructively interact with co-workers.
Requirements
- Three-plus years of position-related experience.
- Bachelor’s degree in related field or equivalent professional experience. (preferred)
- Working knowledge of bank lending and underwriting policies and procedures, as well as loan processing.
- General understanding of marketing and lending principles and of bank-related laws and regulations.
- Knowledge of the features and benefits of bank products and services.
- Math and basic accounting skills
- Time management and ability to multitask
- Strong communication skills
- Proficient in Microsoft Office Suite and related program software.
- Proficient with or the ability to quickly learn position-related software. (Knowledge of Encompass, DU & LPA Automated Underwriting Systems preferred)
- Specialized and position related education and training. (preferred)
Key Skills
Loan UnderwritingMortgage UnderwritingLoan ProcessingCredit QualityRegulatory ComplianceAppraisal ReviewTitle Report ReviewAsset QualitySecondary Market LoansMicrosoft Office SuiteEncompassDULPATime ManagementCommunication SkillsAccounting
Categories
Finance & AccountingAdministrative
Job Information
📋Core Responsibilities
The Loan Underwriter is responsible for evaluating consumer mortgage loans against portfolio and investor guidelines to ensure credit quality and regulatory compliance. They also provide technical support to processing staff and loan officers while managing loan denials and restructuring when necessary.
📋Job Type
full time
📊Experience Level
2-5
💼Company Size
371
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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