Senior Mortgage Underwriter
Company: HSBC
Location: Depew
Posted on: April 8, 2021
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Job Description:
**Description** At HSBC, the health and well-being of our
employees remains of utmost importance. Many of our roles are
permitted to work from home (in states in which HSBC is licensed to
operate) until further notice. + Deliver excellent customer service
to a wide range of HSBC RBWM local and international customers
(whille ensuring the cost effectiveness of the operation). + Handle
all functions and regulations related to underwriting. + Deliver
upon quantitative and qualitative key performance indicators, in
line with our business strategies and regulatory requirements
(scorecard). + Continually review and understand work practices and
policies to ensure ongoing audit and risk standards are met. +
Ensure fair outcomes for customers are delivered in all situations.
**Impact on the Business** + Make sound, well-documented credit
decisions on each Mortgage application. Decision must adhere to all
HSBC requirements and is supported by documentation in each file. +
Achieve published standards and other key performance indicators
(attendance, revenue, retention, service levels, operational risk,
etc). + Meet all performance targets including standards in quality
and productivity. + Abide by first call resolution in alignment
with global standards to promote customer satisfaction. **Customers
/ Stakeholders** + Mortgage Retail Sales + Mortgage Direct +
Mortgage Business Development and Customer Acquisition + Credit
risk - RBWM + BRCM and Compliance functions supporting RBWM +
Underwriting Quality Control - RBWM + Private Bank Mortgage team -
sales and credit + Key vendors supporting Mortgage Loan
Originations at HSBC + Third Party Management function in HSBC +
Head of Mortgage and Mortgage Leadership Team **Leadership &
Teamwork** + Plan and prioritize work appropriately considering
importance, urgency, customer and business impact. + Deliver
excellent customer service . + Champion and embrace change and
innovation + Demonstrate ownership and common sense with all that
you do, sharing best practice.) + Communicate the HSBC vision,
values and goals to others clearly and consistently. **Operational
Effectiveness & Control** + Maintain highest standards of risk
management, control and compliance. + Reduce overall operating
losses and credit risk within management control. + Maintain KYC
standards. + Implement and apply the processes, infrastructure and
resources needed to deliver agreed team plans and targets,
identifying and implementing improvements and collaborating with
colleagues to maximize integration, effectiveness and efficiency. +
Communicate and embed HSBC policy and procedures in order to ensure
good operational, financial and project management, policy and
procedural compliance and early identification and effective
resolution or escalation of issues that arise. + Provide timely,
accurate, quality information to stakeholders to meet business and
regulatory requirements. **Major Challenges** + Deliver desired
outcomes - positive customer experience, reduced cost per loan,
increased through-put, regulatory compliance + Ensure compliance in
a complex environment with demanding internal standards, multiple
internal control functions and multiple government regulators. +
Completing multiple tasks under aggressive time constraints while
making accurate decisions with a sense of urgency. **Role Context**
+ Working with a wide range of direct and functional areas + Close
collaboration with mortgage management team, RBWM Credit risk,
Legal and Compliance to constantly execute operations and meet our
customer needs. **Management of Risk** + Ensure compliance,
operational risk controls in accordance with HSBC or regulatory
standards and policies; and optimize relations with regulators by
addressing any issues. + Exercise HBUS credit and exception
authority in accordance with RBWM Credit Risk FIM B.2.2and
underwriting guidelines. + Analyze a full range of credit,
collateral and legal documentation to ensure collateral supports
Company's overall risk + Physical Demands/Work Environment: Very
good working conditions. Little or no physical demands. Minimal
handling of light materials.The physical demands/work environment
described above are representative of those that must be met by an
employee to successfully perform the essential duties of the job.
Reasonable accommodations may be made to enable individuals with
disabilities to perform essential duties. **Observation of Internal
Controls** + Maintains HSBC internal control standards, including
timely implementation of internal and external audit points
together with any issues raised by external regulators.
**Qualifications** Employment eligibility to work with HSBC in the
U.S. is required as the company will not pursue visa sponsorship
for these positions + Mortgage Underwriting experience as well as
knowledge of Mortgage systems (both LOS and Image) + Minimum of 5
years proven bank, mortgage business, mortgage systems related
experience or equivalent. + Minimum of bachelor's degree in
business, accounting, related field or equivalent experience. +
Proven communications, organizational, analytical, administrative,
problem-solving, project management and interpersonal skills. +
Proficiency with personal computers as well as pertinent HSBC
systems and software. + Ability to meet deadlines and objectives
independently and within the team. All qualified applicants will
receive consideration for employment without regard to race, color,
religion, sex, sexual orientation, gender identity, national
origin, disability, or status as a protected veteran. #LI-KM1
#HSBCUSA **Job Field:** Branch and Retail Banking **Primary
Location:** North America-United States-New York-DEPEW **Other
Locations:** North America-United States-Illinois-Arlington Heights
**Schedule** Full-time **Shift** Day Job **Type of Vacancy** Region
vacancy **Req ID:** 0000EU35
Keywords: HSBC, Buffalo , Senior Mortgage Underwriter, Accounting, Auditing , Depew, New York
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