Mortgage Underwriter- Hybrid after Training
Mortgage Underwriter- Hybrid after Training
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Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
The Underwriter is primarily responsible for reviewing mortgage files submitted for underwriting. This role involves calculating income analyzing debts and assets and conducting a thorough review of appraisals and titles. Additional duties include entering data into the clients loan operating system and using an automated underwriting system to determine loan approvals and clear conditions for final approval. Candidates should demonstrate a strong sense of urgency and the ability to work effectively in a team environment along with excellent organizational communication and computer skills.
### Essential Job Functions:
Conduct comprehensive reviews of mortgage loan files including income assets credit and collateral.
Utilize the clients loan operating system to ensure precise data entry.
Underwrite loans in accordance with client guidelines whether through automated underwriting systems (AUS) or manual methods.
Ensure all loan documents are accurate complete and compliant.
Identify and resolve any red flags or alerts in the loan file.
Issue loan decisions and set conditions accordingly.
Review and approve conditions to ensure compliance and completeness of the loan file.
Provide outstanding customer service to both internal and external clients.
Stay updated on client and investor requirements.
Resolve pre and postclosing issues related to underwriting.
Assist Processors and Loan Officers in understanding underwriting decisions and conditions.
Maintain composure in a highstress environment while delivering exceptional customer service.
Be available to work over 40 hours as needed.
### Requirements:
Minimum of 2 years of current conventional mortgage loan underwriting experience.
Strong knowledge of income calculations tax returns and reading credit reports with the ability to identify red flags.
Basic understanding of appraisals including recognizing red flags and ineligible properties.
Indepth knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP).
Excellent analytical interpersonal and verbal and written communication skills.
Detailoriented with strong time management abilities.
Ability to thrive in a flexible productionoriented environment.
Willingness to collaborate as part of a team.
Proficiency in multiple systems within a paperless environment.
Must be able to work in a strictly secure environment.
NMLSMLO Licensure preferred.
Availability to work outside of normal business hours when necessary.
If your background aligns with our clients needs one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.
Unfortunately due to high volumes of applicants we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
Employment Type
Full Time
