Senior Mortgage Underwriter
Share
Job Location:
Columbus, NE - USA
Hourly Salary:
$ 40 - 48
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
Here at Lower we believe homeownership is the key to building wealth and were making it easier and more accessible than ever. As a mission-driven fintech we simplify the home-buying process through cutting-edge technology and a seamless customer experience.
With tens of billions in funded home loans and top ratings on Trustpilot (4.8) Google (4.9) and Zillow (4.9) were a leader in the industry. But what truly sets us apart Our people. Join us and be part of something bigger.
Job Description:
Lower LLC is a Columbus Ohio based National Mortgage Lender. The Underwriter is responsible for analyzing evaluating and verifying mortgage loan applications and evaluating loans for approval or denial in order to maximize organizational profit. This position is vital to Lower by minimizing risk or loss to the company and to ensure the loan file conforms to the credit and property guidelines of all federal agencies private mortgage insurers and investors.
What youll do:
- Render approval/denial of mortgage loan applications consistent with current internal and external regulations and guidelines.
- Analyzes and evaluates creditworthiness of borrowers including but not limited to the review of financial statements tax returns asset statements bank account statements etc.
- Investigates and documents large deposits and other anomalies in the credit file that may not have been documented by the Loan Officer.
- Underwrites reviews and recommends approvals or denials for government loans that may include FHA VA RHS and PHFA and non-conforming products.
- Issues loan conditions and required documentation to meet agency and regulatory requirements.
- Maintains current knowledge of internal and regulatory changes that affect the underwriting of mortgage loans.
- Provides guidance to loan processors on questions about various loan scenarios documentation and guideline requirements.
- Provides and promotes exceptional customer service both internally and externally.
- Attendance promptness professionalism the ability to pay attention to detail cooperativeness with co-workers and management and excellent customer service.
- Other duties or special projects as assigned.
Who you are:
- 3 years of prior experience working as an Underwriter
- 1 year working primarily with Non QM and/or Jumbo loans is a must
- Working knowledge of all current regulations governing mortgage lending.
- Working knowledge of investor and agency guidelines.
- Ability to use systems and software programs needed to conduct daily business.
When you join:
- Youll be surrounded by talented dedicated people who believe in the companys mission.
- Youll be able to shape the future of Lowers user experience.
- Youll join a locally and nationally recognized best place to work that values promotion from within.
- There is opportunity for professional growth and development.
Plus:
Competitive compensation plan
Extended benefit offerings including:
Medical/dental/vision
Paid holidays
Paid time off
Parental leave
Life/ Accident/ Critical Illness insurance
Short- and long-term disability
401K with company match
Discount on home mortgage refinances or purchases
Job Type: Full-time
Hours: 9a - 6p PT / 12p - 9p ET
Location: Remote
Compensation:$40- $48 Hourly Bonus
Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race color religion age sex national origin disability status genetics protected veteran status sexual orientation gender identity or expression or any other characteristic protected by federal state or local laws.
This policy applies to all terms and conditions of employment including recruiting hiring placement promotion termination layoff recall transfer leaves of absence compensation and training.
Required Experience:
Senior IC
Key Skills
- Loan Processing
- Time Management
- Microsoft Office
- Credit Analysis
- Fraud
- Math
- Risk Analysis
- Banking
- Analysis Skills
- Fair Housing Regulations
- Underwriting
- Data Analysis Skills
About Company
"Best mortgage ever." Technology and people work together to create a simple, connected experience—led by your very own expert. It’s the perfect balance to make sure this decision” is your best one ever.
