Job Description

Job Description

Job Description

A Mortgage Underwriter will take responsibility for the daily underwriting processes for our Conventional, FHA and VA loans. Your attention to detail will have a direct impact on our customers' ability to secure a loan for their dream home.

• Underwrite loans for compliance with investor and/or agency guidelines.
• Submit loans through an automated underwriting system for a decision DU/LP.
• Review appraisal reports to identify and resolve any discrepancies discovered and ensuring the property meets HUD MPRs
• Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
• Calculate qualifying ratios, determine creditworthiness; provide risk opinions
• Determine if the loan file is eligible for funding, insuring according to internal, and agency guidelines. Assist with issues to facilitate and complete stipulations pertaining to shipping completed files.
• Perform timely reviews of stipulations/conditions submitted.
• Effectively and efficiently maintains standard underwriting turnaround time for new loan submissions, and standard underwriting turnaround time for resubmission.

Qualifications

• An approved FHA, DE (Direct Endorsed) and/or VA SAR/LAPP Underwriter
• 4 year minimum experience
• Excellent customer/interpersonal service skills
• excellent writing/verbal skills
• Proven ability to collaborate and problem solve with other mortgage partners
• Attention to detail and accuracy
• Strong planning and organizational skills

Company benefits among the best in the industry that reflect the strong commitment we have to all of our employees:

• Competitive Compensation
• Comprehensive Health, Life and Disability Insurance
• 401(k) (Full-time employees are eligible to contribute immediately)
• Vacation and Holidays

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