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General Functions: Performs a wide range of duties related to the underwriting of consumer bank initiated residential real estate requests across multiple states. Render an underwriting decision within the banks credit guidelines whileensuringcompliance with federal lending regulations.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Duties and Responsibilities:

• Analyze consumer credit reports for Consumer Lending real estate applications to evaluate risk and make appropriate credit decision for Direct Lending across multiple states, markets or geographic regions.
• Maintain an in depth knowledge of the continual enhancements and changes to the Fifth Third

Consumer Lending policy and procedures in order to ensure consistent treatment of all real estate applications.

• Manage application pipeline to meet business objectives and stated Service Level Agreements.
• Responsible for ensuring completeness and accuracy of real estate credit application.
• Responsible for ensuring HMDA purpose codes are accurate before rendering a final decision.
• Evaluate customer provided credit documents to support credit decision, including calculation of income, personal financial statement reviews, trust reviews, etc.
• Place orders for bank obtained credit documents in accordance with real estate policy guidelines, and partners with retail and borrower to clear condition with regards to Property Reports, Appraisals, and Flood Certifications.
• Formulate and communicates credit decision (approve, decline or counteroffer) in compliance with established underwriting guidelines, compliance and regulatory requirements.
• Demonstrate a solid understanding of the credit exception process, specifically identifying opportunities with applications and understanding the relevant compensating factors needed to present to the exception team.
• Review credit applications and recommends decisions on applications over their assigned authority to their manager or senior level underwriters review before communicating final decisions.
• Partner with the Mortgage Line of Business to underwrite simultaneous first and second lien real estate loan requests, as appropriate.
• Develop business relationships and build rapport with internal customers across multiple states to achieve mutual goals.
• Host side by side visits for bank employees to both gain an understanding of our processes and to help build interest in our department and identify possible candidates for filling future needs.
• Demonstrate the ability to be a team player by providing superior customer service, being flexible and approachable.

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KNOWLEDGE & SKILLS REQUIRED:

• Must live within 30 miles to Cincinnati.
• College degree in Business or Finance or equivalent work experience.
• Minimum 3 years Consumer Lending or related industry experience.
• Knowledge and understanding of basic financial analysis techniques.
• Strong interpersonal, written and verbal communication skills.
• Ability to make high quality decisions and execute in a time sensitive manner.
• Ability to handle multiple tasks and meet deadlines in fast paced environment.
• Ability to interact with Vice President level managers; build consensus; and motivate others.
• Strong analytical and organizational skills.
• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). Fifth Third will assist with the registration process and completion. The NMLS website(mortgage.nationwidelicensingsystem.org) provides the MU4R questions and successful registration required for employment in this position.

RCC Equity Underwriter ITotal Base Pay Range 47,000.00 - 87,000.00 USD AnnualLOCATION -- Virtual, Ohio 00000

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.