Responsibilities:

Underwrite residential mortgage loans in accordance with Jumbo, FNMA, FHLMC, FHA and VA internal guidelines ensuring compliance with company and investor standards

  • Manage individual pipeline on a daily basis by completing new underwriting reviews, condition reviews and other underwriting tasks within established turn times
  • Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, including complex business returns and financials
  • Assess and respond to fraud indicators
  • Determine eligibility for private mortgage insurance
  • Demonstrate proficiency in automated underwriting applications and ability to assess results
  • Structure loans according to lender requirements and credit quality
  • Review appraisals for accurate property valuation
  • Discuss marginal loans with Underwriting Team lead and Sales Manager before suspending or declining file
  • Communicate with Underwriting Team lead to advise of any sales, processing or customer service issues
  • Communicate with processing and sales to provide updates, clarification on outstanding conditions and deficiencies identified on loans, and to assist in interpreting underwriting guidelines

Qualifications:

  • DE Chums and VA LAPP and SAR, preferred
  • Loan quality and risk management
  • Knowledge of Jumbo, NON-QM,FNMA, FHLMC, FHA and VA guidelines. USDA experience helpful
  • Proficiency with DU and LP, FHA Connection and VA Portal
  • Excellent interpersonal, written and verbal communication skills
  • Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints
  • Flexibility in decision making with strong problem-solving skills
  • Customer service driven: responsiveness to client and team member issues and concerns
  • Minimum of 5 years in mortgage lending operations with at least 2 years in an underwriting role
  • Strong working knowledge of Lending QB

Desired Education

  • High School diploma or equivalent required
  • Bachelor’s Degree preferred

Company Benefits:

  • Remote positions available
  • Medical
  • Vision
  • Dental
  • 401k
  • FSA
  • Life Insurance

 Other Duties:

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization.

Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S.

Equal Opportunity Employer Race, Religion, Color, National Origin, Gender, Sexual Orientation, Age, Protected Veterans, Disabled.