Temporary Underwriter - Residential and Consumer Lending

OceanFirst Bank
Toms River, NJ
At OceanFirst Bank, each one of our employees plays an important role in delivering value to our customers and executing daily tasks in accordance with our core values. We recognize that our employees are essential to our success, making OceanFirst a great place to work and do business.

Great benefits include: on-site fitness facility at Red Bank and Toms River headquarter offices, hybrid schedule after initial onboarding has been completed, employee perks & discount programs, tuition assistance, incentive compensation program, professional development opportunities, and more! Apply today to #BecomeOceanFirst and make an impact in the local community!

About Your Role

Responsible for providing quality customer service by efficiently and accurately underwriting residential mortgage applications.

What You Will Do

  • Monitor underwriting queue daily with a focused effort to render decisions Based on established Key Performance indicator (KPI) targets.
  • Underwrite and render credit decision to approve or deny one to four family mortgage consumer loans in accordance with Bank policy for portfolio and for sale in the secondary market, including conventional, FHA, and VA loan programs.
  • Review loan documentation required to complete the application process.
  • Analyze tax returns for self-employed borrowers in accordance with Bank and Investor guidelines.
  • Analyze condominium project documents to assure Bank and Investor warrantability.
  • Review appraisals to ensure compliance with Bank and Investor appraisal policies.
  • Through the Department Manager, respond to quality control exceptions and recommend improvements to minimize future exceptions.
  • Accountable for meeting established Key Performance Indicator (KPI) targets.
  • Understands compliance with all regulations governing the banking industry, as well as agency guidelines and organization policies.
  • Understands the compliance requirements for Loan Operations to ensure files are maintained in accordance with regulations.
Posted 2025-07-30

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