Senior Government Underwriter
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Job Location:
Santa Ana, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
Job Title: Senior Government Underwriter
Department: Credit
Reports To: VP Credit - Agency
PRIMARY FUNCTIONS: The Senior Government Underwriter (UW) verifies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a knowledge bank in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgages clients.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Analysis of submitted files for repayment capacity capital character collateral and property condition while adhering to HomeXpress credit policies and guidelines
Properly Condition loans per Underwriting Guidelines and AUS as applicable
Communicate decisions to appropriate individuals
Clear conditions including but not limited to credit and title conditions
Ensure the highest quality and level of customer satisfaction
DESIRED PERSONAL CHARACTERISTICS:
Detail oriented and committed to the highest quality
Self-Starter with positive Can-Do attitude
Works well under pressure and relishes the responsibility that comes with the job
Problem solving and analysis
Decision making
Results driven
Communication proficiency
An open-minded individual that embraces change and innovation
JOB REQUIREMENTS:
Meet Daily and Monthly targets for productivity
Provide feedback on guidelines to ensure HomeXpress is following Agency (GSE FHA VA) Guides
Assist with new product development and implementation
EDUCATION:
Bachelors degree in business finance or equivalent related field experience preferred
EXPERIENCE:
5 years of experience in mortgage underwriting
VA LAPP/SAR
FHA DE
Manual underwriting to FHA and VA handbook requirements
AUS proficient
Computer proficient in Excel Word Outlook and various LOS
Demonstrate strong history of good time management skills decision making ability critical thinking and attention to detail.
Ability to communicate issues between several audiences proficiently
Achieves and exceeds work goals for productivity quality and turnaround time by prioritizing workflow and managing pipeline
PHYSICAL REQUIREMENTS:
This position is in an office setting / remote with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.
Additional Information :
All your information will be kept confidential according to EEO guidelines.
Remote Work :
No
Employment Type :
Full-time
Key Skills
- Loan Processing
- Credit Analysis
- Fraud
- Math
- Risk Analysis
- Pricing
- Analysis Skills
- Fair Housing Regulations
- Equity Research
- Underwriting
- negotiation
- RMF
About Company
HomeXpress – Your Leading Non-QM Mortgage Lender.Join our growing team and be part of the Top Non-QM Lender in the Business.We are known for closing mortgage loans with speed, ease, and convenience.Licensed in 46 States, we provide brokers with a full suite of mortgage products, inclu ... View more
