Underwriter, Retail, Senior

Carrington Holding Company
Anaheim, CA, United States
Full-time

Come join our amazing team and work from home!

Our Sr. Underwriter underwrites loans in accordance with Company and Investor guidelines following company’s policies and procedures under general supervision.

Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates.

The starting base pay is $31.59 / hr. plus monthly incentive.

What you’ll do :

  • Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.
  • Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable.
  • Applies and interprets company underwriting guidelines and makes sound credit decision.
  • Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information.
  • Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies.
  • Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise.
  • Resolves and responds to post closing credit exceptions received from investors and auditors when required on loans underwritten.
  • Completes second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed.

What you’ll need :

  • A thorough knowledge of mortgage loan underwriting.
  • Maintains highly confidential information concerning loan applicants.
  • Requires high level of organizational skills and ability to work on several tasks simultaneously.
  • Constant contact with Loan Officers and internal office staff.
  • Significant coordination of various duties required.

What is the value proposition to joining the team?

  • Full array of mortgage programs.
  • Paperless loan file flow and process.
  • Aggressive Marketing support including brochures, social media, and CRM.
  • Aggressive underwriting : we manual underwrite over 80% of our files
  • Competitive compensation plan, including a base plus commission.

What We Offer :

  • Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
  • Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
  • Customized training programs to help you advance your career.
  • Employee referral bonuses so you’ll get the opportunity to work with friends (and get some extra cash in your pocket!).
  • Educational Reimbursement.
  • Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates.
  • 30+ days ago
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