Job Description

**Description** **Location** : On site in Charlotte, NC, Miami Lakes, FL, Plano, TX, Houston, TX or Baton Rouge, LA. **Summary** : Underwrites residential mortgage loan applications according to agency, investor, regulatory and internal First Horizon guidelines. Analyzes all aspects of the loan application and supporting documentation to make prudent credit decisions which maximize organizational profit and minimize risk or loss. Provide quality and timely customer service to internal and external customers. **Essential Duties and Responsibilities** : - Independently evaluate a variety of complex residential mortgage credit applications, credit bureau information, collateral valuation, complicated tax returns, financial statements, sales contracts, title, insurance and/or other supporting documentation to decision loans within designated authority levels by way of automated underwriting tools. - Review and evaluate loan viability and identify risk issues and potential fraud. - Comply with bank policies and procedures, regulatory requirements, and investor/internal guidelines. - Effectively communicate with sales and operations partners regarding loan approvals, condition clarifications, deficiencies, and denials. - Respond to audits and post-closing issues in a timely manner. - Proactively manage an individual loan pipeline daily, prioritizing files and ensuring loan closing dates are met as well as company turn-time standards. - Collaborate with team members using underwriting guideline knowledge to identify potential solutions for denied loan files and issue counteroffers when applicable. - Mentor less experienced underwriters and provide second level reviews for training files. - Perform other duties as assigned. **Qualifications** : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position: - Thorough understanding of mortgage lending regulations, underwriting guidelines, unique product types (bond, jumbo, portfolio) and the residential mortgage loan process. - Excellent verbal and written communication skills, including ability to concisely articulate the borrower's financial profile and associated risks. - Ability to prioritize work and meet tight timelines - Ability to partner and collaborate with a team of peers and management - Government lending credentials, including FHA Direct Endorsement and VA SAR or equivalent non-QM, manual underwriting 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 **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 **Follow Us** Facebook X formerly Twitter LinkedIn Instagram YouTube Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights ( notice from the Department of Labor.

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