Underwriter

Position Job Title :

• Underwriter FLSA Status :                               Non - Exempt Job Location :                              Remote  Position Summary.
• The primary function of the Underwriter is for underwriting residential mortgage loans for the New Home Co.
• Examine loan documentation for accuracy and completeness to ensure loans meet eligibility requirements and to mitigate risk or loss to the company.
• Essential Duties and Responsibilities.
• Review all loan submissions submitted by origination staff and generate initial credit decision in accordance with FNMA, FHLMC, FHA, VA, USDA, Bond and other investor guidelines as well as internal overlays.
• Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines.  Perform credit and property analysis on conventional and government loan files.
• Analyze complex tax returns and accurately calculate income.
• Input data and notes into the Encompass loan system.
• Maintain quality and production standards as set forth by management.
• Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers.
• Personal Professional Standards .
• Project an image of professionalism through demeanor and appearance while acting with integrity and honesty.
• Strive for teamwork and cooperation and actively participate in goals for self-improvement.

Managerial Responsibility :

Ability to exhibit professional written and verbal communication Excellent organizational and time management skills Demonstrated ability to interact effectively with others both internal and external Demonstrated judgment and decision-making ability Strong attention to detail, organization skills and follow-through capabilities   Base Salary :