FHA / VA Mortgage Underwriter

Job Description

Job Description

A Mortgage Underwriter will take responsibility for the daily underwriting processes for our Conventional, FHA and VA loans. Your attention to detail will have a direct impact on our customers' ability to secure a loan for their dream home.

Primary Responsibilities

• Underwrite loans for compliance with investor and / or agency guidelines.
• Submit loans through an automated underwriting system for a decision DU / LP.
• Review appraisal reports to identify and resolve any discrepancies discovered and ensuring the property meets HUD MPRs
• Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
• Calculate qualifying ratios, determine creditworthiness; provide risk opinions
• Determine if the loan file is eligible for funding, insuring according to internal, and agency guidelines. Assist with issues to facilitate and complete stipulations pertaining to shipping completed files.
• Perform timely reviews of stipulations / conditions submitted.
• Effectively and efficiently maintains standard underwriting turnaround time for new loan submissions, and standard underwriting turnaround time for resubmission.

Qualifications

Company benefits among the best in the industry that reflect the strong commitment we have to all of our employees :

Job Posted by ApplicantPro