Job Description

The Junior Underwriter - MTG will support Bell Mortgage operations, underwriting, and collateral risk teams. This role will support a variety of underwriting functions to include clearing conditions, clearing loan purchase pends, analyzing appraisals, evaluating collateral reconsideration requests, conducting analysis on income/credit reviews, general research and providing backup as needed

Primary Duties:

Analyze and complete underwriting resubmission requests. Act as point of contact for underwriting group to support, analyze and respond to pre-purchase investor delivery pends. Review and analyze appraisals to meet investor guidelines. Conduct income/credit reviews and provide supportive analysis to meet investor guidelines. Assist in managing underwriting shared mailboxes and direct questions to the appropriate team member when assistance is needed. Manage response time to 8 business hours or less. Research as requested by senior management of underwriting. Complete internal checks and fraud vendor reviews on contract underwritten files. Back up underwriting assistant when absent. Duties include capacity management, scanning and uploading documentation. Work with Bell production staff to explain agency/investor guidelines when discussing or reviewing appraisals, credit submissions and scenario questions. Work closely with all departments within organization to help identify and implement efficient and effective procedures to ensure sound lending decisions and high-level customer service. Maintain awareness of changing economic and industry conditions, new trends and developments in the local and national real estate mortgage markets

Bell Bank Culture, Policy and Accountability Standards:

Know by name and face as many customers and employees as possible, calling them by name as often as possible. Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards. Know, understand, and live the company values and bottom line. Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations. All employees are responsible for information security, including compliance with policies and standards which protect sensitive information. Prompt and reliable attendance. Perform other duties as assigned.

Education, Experience, and Other Expectations

1-2 years of mortgage experience required. Correspondent lending experience preferred. Appraisal underwriting experience preferred.

Skills and Knowledge

Ability to manage multiple tasks and deadlines simultaneously. Ability to work well with people with diversified personalities. Ability to work as a team member. Self-motivated to research and problem solve. Excellent written and verbal communication skill to provide exceptional customer service. Proficient knowledge of Microsoft Office products.



Additional Details :
If you love sales and are passionate about helping others purchase their dream home, consider a career with Bell Bank's mortgage team. You will work with colleagues in a first class culture that provides a family atmosphere, enjoy great benefits and provides a high level of service that makes each mortgage run smoothly - by sending closing packages five days before the closing, in-house underwriting and processing and having a support team to allow you to work efficiently.



Bell Bank Mortgage is backed by the financial strength of one of the nation's largest independently owned banks. Founded in 1966 in Fargo, North Dakota, Bell Bank has more than $14 billion in assets and full-service banking locations in Arizona, Minnesota and North Dakota. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.



Originally founded in 1880 by early Minneapolis civic leader David C. Bell, Bell's mortgage division today has thousands of family mortgages to its name. Bell Bank Mortgage has been in Arizona since 1997 and has several regional offices in the United States.



Bell Bank has been recognized as a top bank and a top financial workplace by American Banker, Forbes and Fortune, and has been named among America's top mortgage employers by National Mortgage Professional magazine.



If you want to work for a strong, growing, forward-looking organization with world-class employees, this is the place for you.

Bell's Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:


Promoting and sustaining our family atmosphere. Providing unequaled personal service to each and every customer. Paying it forward.

Our Bottom Line:

Happy Employees! Happy Customers!



In addition to salary, Bell Bank offers a comprehensive benefits package including, healthcare, (medical, dental, vision) employee stock ownership program, and 401(k) contribution and profit-sharing plan. All benefits are subject to eligibility requirements.

Bell Bank

Equal Opportunity Employer

Pay Transparency In order to support the Fair Compensation Strategy by the US Govt., HR Dept., clients are required to adhere to "Pay Transparency Law"; in the impacted states; that have mandated the employers to list the salary ranges in Job advertisements or postings for job opportunities and Job promotions.