Non-QM Underwriter - Pacific Time Zone Work Schedule
Non-QM Underwriter - Pacific Time Zone Work Schedule
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Salary Not Disclosed
1 Vacancy
Job Description
Elevate your career as a Senior Non-QM Underwriter playing a vital role in shaping a successful mortgage team. Join us in exceeding client expectations delivering exceptional service and fostering enduring relationships through timely accurate and detailed underwriting decisions. Make a meaningful impact while representing our company with professionalism and compassion.
Starting pay ranges between $30 - $51/hr.
This position reports out of the Sacramento Corporate Office but is offered as hybrid-remote or remote depending on experience and location
What YOU will do to make a difference at Summit Funding:
- A sense of urgency and importance is required. Provide the most efficient service to our internal and external clients while maintaining the highest quality standards.
- A positive can-do approach to every file submitted is expected. The goal is to find a way to approve every loan.
- It is mandatory that all new loan files are underwritten per the daily departmental standard.
- Underwriting turn time is to be no more than what is currently communicated to the UW team.
- All Conditions are to be reviewed within stated turn time for file.
- All Resubmissions are to be reviewed within posted turn times for conditions or new loan submissions depending on the reason for resubmission.
- All Funding Conditions are to be reviewed as they are presented same day and within sufficient time to accommodate funding.
- The Underwriting checklist must be completed and in every file reviewed.
- Update Encompass throughout the day to reflect the current disposition and decision date.
- All conditions must be presented in a clear specific and uncomplicated format and must be limited to items relating to the underwriting approval only. Multiple conditions should not be lumped together
- The condition list should not be used for specific notes or condition clarification.
- Summit Fundings operating system must be utilized at all times to communicate and generate all underwriting decisions.
- All files considered for decline must be reviewed with the Operations Manager before the final decision is generated.
- The conversation log must be utilized and updated at all times.
- Files are not to be sent to an investor for review or approval consideration without first being underwritten by a Summit Funding underwriter; unless prior Investor Approval is required per program parameters. The Underwriting Manager must approve all investor submissions.
Qualifications :
- 3 years of previous recent Non QM Underwriting experience in a retail or wholesale environment.
- Must have a comprehensive knowledge of Non-QM program guidelines
- Ability to work a full time schedule Monday through Friday 8am to 5pm Pacific time.
- Prior experience working with Account Executives Account Managers Loan Officers and Loan Processors.
- Special care to review cash income credit and property issues must be taken.
- Must be able and willing to train coach and support staff as needed to enable them to provide complete accurate and acceptable loan files for approval consideration.
- Solid Time Management skills and the ability to organize prioritize and perform multiple tasks simultaneously.
- High level of proficiency with mortgage loan processing and underwriting systems.
- Commitment to excellence and high standards.
- Excellent written and oral communication skills.
- Ability to manage priorities and workflow.
- Versatility flexibility and a willingness to work within constantly changing priorities with enthusiasm.
- Acute attention to detail.
- Proven ability to handle multiple projects and meet deadlines.
- Good judgment with the ability to make timely and sound decisions.
- Ability to effectively present information and respond to questions.
- Ability to build and sustain relationships with staff and branch personnel
- Extensive prior experience in an underwriting position.
Additional Information :
All your information will be kept confidential according to EEO guidelines.
Remote Work :
Yes
Employment Type :
Full-time
Employment Type
Remote
Company Industry
Key Skills
- Loan Processing
- Computer Skills
- Fraud
- Math
- Banking
- Pricing
- Analysis Skills
- Fair Housing Regulations
- Underwriting
- Financial Analysis
- negotiation
- Phone Etiquette
