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
- An approved FHA, DE (Direct Endorsed) and / or VA SAR / LAPP Underwriter
- 4 year minimum experience
- Excellent customer / interpersonal service skills
- excellent writing / verbal skills
- Proven ability to collaborate and problem solve with other mortgage partners
- Attention to detail and accuracy
- Strong planning and organizational skills
Company benefits among the best in the industry that reflect the strong commitment we have to all of our employees :
- Competitive Compensation
- Comprehensive Health, Life and Disability Insurance
- 401(k) (Full-time employees are eligible to contribute immediately)
- Vacation and Holidays
Job Posted by ApplicantPro
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