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The Underwriter position is responsible for maintaining a thorough working knowledge of and ability to analyze credit reports, income documentation, assets, liabilities, property appraisals, and title reports. This position will assist in ensuring that loans meet company standards for sale into secondary market. In addition, the Underwriter position will identify, analyze and balance transactional, borrower and property related risks and offsets to arrive at a loan decision of approval, suspense, counteroffer, or denial.

Primary Job Responsibilities

  • Review and analyze loan applicants’ credit histories, financial statements, and other financial information to make quality decisions on loans.
  • Interpret and analyze complex tax returns and financial documents.
  • Completed Underwriting checklist in every file, with any conditions presented in a clear, specific and uncomplicated format and limited to items relating to approval only.
  • Demonstrate ability to comprehend program changes and new program guidelines.  Implement new changes in daily production immediately with minimal error rate.
  • Maintain knowledge of available loan products, program functionality, and investor guidelines.
  • Utilize DO, LP and GUS underwriting systems.
  • Responsible for quality control and compliance issues for the department.
  • Responsible for tracking new regulation changes.


Essential Qualifications and Requirements:
Minimum 5 years of progressive underwriting experience required. FHA DE and VA SAR certifications required. Experience with AUS (LP/DO/GUS) and knowledge of mortgage insurance preferred. Understanding of secondary market guidelines (FNMA/FHLMC/FHA/USDA/ VA) required. In addition, must have a strong understanding of mortgage process flow of 1-4 family, condo and coop from processing to closing. A high level of proficiency with mortgage loan processing desired. Experience with Encompass loan processing software desirable. Knowledgeable in lending compliance regulations required.

BankVista offers a competitive salary and employee benefits package including health, dental & vision insurance, employer paid Life Insurance and Disability, and a 401(k) Plan with employer match. If you are interested in joining a growing company and working within a fun and exciting environment, please apply now to [email protected].


At a Glance

  • Founded: 2000
  • Primary Business: Small Business Lending & Deposits
  • Headquarters: BankVista, Sartell, MN
  • Locations: Sartell, MN | Mankato, MN | Chaska, MN
  • Employees: 70+

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BankVista is committed to providing an environment that is free from discrimination and harassment based on race, age, creed, color, religion, national origin or ancestry, sex, gender, disability, veteran status, genetic information, sexual orientation, gender identity or expression, or pregnancy and will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. BankVista is an equal opportunity/equal access/affirmative action employer fully committed to achieving a diverse workforce and complies with all Federal and Minnesota State laws, regulations, and executive orders regarding non-discrimination and affirmative action.