As a Senior Underwriter at Huntington, your main responsibility includes underwriting residential first mortgage files, which covers a variety of products such as conventional FNMA, FHLMC, and government loans. You will also manage files from the initial decision through to clear-to-close, ensuring all documentation and compliance standards align with the product guidelines. Your role will require strong analytical skills to evaluate complex loan structures and maintain service level standards for effective communication and production.

To qualify for the Senior Underwriter role at Huntington, candidates should have a high school diploma or equivalent along with a minimum of three years of underwriting experience in the first mortgage sector, including familiarity with FHMA and FHLMC. Preferred qualifications include obtaining a DE Designation, experience with FHA/VA/USDA products, and strong capabilities in analyzing complex financial documentation. These qualifications ensure you can effectively evaluate risks associated with diverse loan applications.

Huntington prioritizes a supportive environment for Senior Underwriters by emphasizing autonomy and effective communication. The company promotes a culture of doing things right, allowing professionals to engage with clients positively while ensuring compliance. Additionally, the blend of in-office and remote work options helps create a strong community where you can collaborate and perform your best work, making your job not just about numbers, but about relationships and customer satisfaction.

At Huntington, as a Senior Underwriter, you will have numerous growth opportunities within the organization. With access to continuing education and professional development, you can enhance your expertise in mortgage underwriting. Moreover, the possibility of gaining additional certifications such as a DE Designation can further enhance your skill set, potentially leading to advancement into senior management or specialized underwriting roles within the company.

Senior Underwriters at Huntington need to be proficient with loan origination software, including Desktop Underwriter and Loan Prospector, to effectively manage and underwrite mortgage applications. Familiarity with mortgage software in a paperless environment is essential for efficiency. Strong analytical skills are necessary for interpreting various standard mortgage documents, such as appraisals and income verifications, allowing you to work effectively in evaluating complex loan proposals.

When answering this question, highlight specific examples of complex cases you've underwritten, such as self-employed borrowers or investment properties. Emphasize your analytical skills and mention tools you used, like financial statements and tax returns, to assess risk accurately.

Discuss your time management techniques, such as prioritization and the use of technology to streamline processes. Share a personal experience where you successfully met a tight deadline without compromising quality.

You can explain your process of staying updated with the latest regulations and how you implement them in your work. Mention any training or certifications that demonstrate your commitment to compliance in the underwriting process.

Share your approach to clear and concise communication, detailing how you ensure that the reasoning behind underwriting decisions is understood. Providing examples of constructive feedback could strengthen your answer.

Discuss your methodology for analyzing different types of risks associated with varied loan applications. Mention specific tools or metrics you use to evaluate the financial stability of borrowers.

Illustrate a challenging case, detailing the complexities involved, what steps you took to address these issues, and the final outcome. This illustrates not only your problem-solving skills but your ability to effectively navigate challenging situations.

Talk about your systematic approach to reviewing documents and processes, such as checklists or peer reviews. Sharing personal methods you adopt to minimize errors can showcase your attention to detail in underwriting.

Share instances where changes in regulations impacted your work. Highlight your flexibility and willingness to learn, showcasing how you kept your team up-to-date and compliant in a changing environment.

Explain your perspective on collaboration, especially in terms of working with loan officers and other underwriters. You can mention specific instances where teamwork led to more effective outcomes.

Show genuine enthusiasm for the company and the specific role by aligning your professional values and aspirations with Huntington’s culture and goals. Highlight aspects of the company’s approach that resonate with you personally.