**EEO Statement:** We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law. **Job Title:** Underwriter **Reports to:** Retail Lending Manager **FLSA Status:** Non- Exempt **Salary Grade:** NE18 **Supervisory Responsibility:** No **SUMMARY:** The Underwriter primary responsibility is to manage the underwriting portions of the residential lending process. Tasks include reviewing documentation, calculating income, recommending loan decisions and communicating with loan originators and customers. **ESSENTIAL DUTIES AND RESPONSIBILITIES** include the following. Other duties may be assigned by the supervisor and/or Trustco Bank’s Board of Directors. + Evaluate and ensure all loan documentation is accurate, complete and compliant. + Analyze the cash flow and financial condition of the borrower. Review financial statements, credit reports, applicable ratios, loan-to-value ratio and other supporting documentation. + Review property appraisals to ensure they meet the banks policies, guidelines and practices. + Effectively and efficiently maintain standard underwriting turnaround time for loan decisions. + Maintain and ensure adherence to all state and federal regulations affecting the underwriting and issuance of credit to borrowers. + Maintain current knowledge of all loan products and origination requirements. + Work well with a calculator computing income validations. **REQUIRED EDUCATION/EXPERIENCE:** + High School Diploma or equivalent education or experience. + Customer service experience. + Underwriting experience. + Effective verbal and written communication skills. + Well organized with the ability to manage multiple tasks and work to time sensitive deadlines. + Ability to work well independently and in groups. + Working knowledge with Microsoft Office Programs; Excel and Word. **PREFERRED EDUCATION/EXPERIENCE:** + An Associate’s degree, or higher, in business related field. **POSITION TYPE/EXPECTED HOURS:** This is a full-time position. Office hours Monday – Friday 8:30am – 5:00pm and some Saturdays. Evening and weekend work may be required as job duties demand. **TRAVEL:** Travel using personal vehicle, occasional overnight travel. Valid driver’s license required. **LANGUAGE SKILLS:** Must be able to speak, read, write, and understand the primary language(s) used in the workplace **;** bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. **PHYSICAL DEMANDS:** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. + This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone. + Ability to communicate both in person and/or by telephone. **WORK ENVIRONMENT:** The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. For the most part, ambient room temperatures, lighting and traditional equipment as found in a typical office / retail environment. **OTHER DUTIES:** Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. **AFFIRMATIVE ACTION PLAN/EQUAL EMPLOYMENT OPPORTUNITY STATEMENT:** Trustco Bank is an equal opportunity/affirmative action employer. It is the policy of Trustco Bank to take affirmative action in affording equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: • Hiring, placement, upgrading, transfer, demotion or promotion • Recruitment, advertising or solicitation for employment • Treatment during employment • Rates of pay or other forms of compensation • Selection for training, including apprenticeship • Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.