Government Mortgage Loan Underwriter
Government Mortgage Loan Underwriter
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1 Vacancy
Job Description
ABOUT ONETRUST HOME LOANS
If you are looking for an organization that has established an outstanding reputation for quality products and services and where you are an important member of a professional team then OneTrust Home Loans may be for you. We are recognized as a Fortune 5000 company offering conventional FHA VA USDA and jumbo financing while boasting portfolio construction and structure finance lending divisions. Our focus on utilizing the latest technology to streamline the home loan process has made us a leader in our space. We really listen to our clients in order to anticipate their home financing goals and dreams. Were mortgage educators and financing strategists providing detailed information and sound advice on mortgage options and industry trends. We focus our energies on a transparent and open communication loan process to close loans quickly.
If our employees are successful we are successful. Our goal is to provide them with the most current competitive tools and information possible. Employees and management listen engage and provide honest feedback to each other. Those who make outstanding contributions are recognized for their outstanding customer service and are eligible for key programs. In order to hire and retain employees who share our values of integrity transparency innovation and greatness we offer attractive employment packages worklife balance a wide range of training opportunities and an innovative and exciting business culture. Service is everything!
Position Summary
Evaluate all aspects of loan applications based on type to determine eligibility based on risk investor guidelines government regulation and other risk factors.
Essential Duties and Responsibilities
- Review and analyze the mortgage loan application to ensure eligibility accuracy completeness and compliance with internal and regulatory guidelines to minimize risk factors.
- Review all required loan data reports and inspections to ensure the collateral is acceptable to investor and Company guidelines.
- Accurately analyze complex financial documents and calculate income from various income sources including but not limited to hourly salaried commission selfemployed and fixed income assets statements (401K checking savings) analyze residential appraisal reports review preliminary title reports and the ability to make independent credit decisions.
- Ensure the highest level of compliance appraisal analysis and fraud mitigation.
- Sign off on conditions in a timely manner set by management and work within specified Service Level Agreements (SLAs)
- Maintain current knowledge as it pertains to MDIA RESPA TILA ECOA HMDA and Fair Lending regulation.
- Other duties as assigned.
The above functions are intended to describe the general nature and level of work performed by individuals assigned to this job. This is not designed to contain or be interpreted as a comprehensive list of all duties responsibilities and qualifications required of employees assigned to this job.
Education and Experience
- Bachelors degree or equivalent combination of education and experience.
- 4 years current underwriting experience.
- Proficient knowledge of underwriting terminology.
- Ability to maintain a knowledge of lending guidelines investor programs industry requirements and industry changes.
- Ability to make independent decisions regarding acceptance and risk of loans according to HUD VA USDA company and investor guidelines.
- Experience with FHA VA Conventional conforming and nonconforming loans
- DE and VA LAPP/SAR designations
Knowledge Skills and Abilities
- Demonstrated computer skills in word processing spreadsheet and electronic mail software.
- Strong communication and interpersonal skills and a high level of professional integrity.
- Maintains a positive helpful constructive attitude and work relationship with coworkers and supervisor.
- Strong time management and organizational skills in a dynamic constantly changing environment.
- Attention to detail and quality focused.
- Encompass experience preferred.
OneTrust Home Loans is an Equal Opportunity Employer
CALIFORNIA JOB APPLICANT PRIVACY NOTICE REGARDING THE COLLECTION OF PERSONAL INFORMATION
This Job Applicant Notice is designed to meet obligations under the California Privacy Act (CPRA) as amended by the California Consumer Privacy Act (CCPA) regarding how CalCon Mutual Mortgage LLC collects and processes personal information during the application and recruitment process. This Job Application Notice solely applies to applicants of CalCon Mutual Mortgage LLC who reside in the State of California.
In the event of a conflict between any other CalCon Mutual Mortgage LLC policy statement or notice and this Job Applicant Notice this Job Applicant Notice will prevail as to California job applicants. Unless stated otherwise CalCon Mutual Mortgage LLC may collect personal information and use it for certain business purposes. Under the CPRA consumers means California residents including job applicants employees or contractors of a business. CalCon Mutual Mortgage LLC will only process your personal information in accordance with the Companys Privacy Notice unless otherwise required by applicable law. You can submit a request to regarding the Companys Privacy policy to know about the categories of data being collected the purposes for which the data will be used and your rights to opt out.
Employment Type
Full-Time
