Mortgage Underwriter
5 days ago
Responsibilities -
- The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting.
- This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title.
- Additional responsibilities include entering data into the client’s loan operating system, performing a manual underwrite, clearing conditions for Final Approval and communicating outstanding requirements to customers.
- Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organization and communication skills, maintaining high level of quality standards and commitment to a superior level of customer service.
Required Skills
- Maintain conforming signing authority and quality standards
- Maintain current knowledge of client and investor requirements
- Perform complete and in-depth review of mortgage loan files including income (inclusive of rental income, IRA, annuity and 401K), assets, credit and collateral
- Utilize client’s loan operating system to ensure accurate data entry
- Evaluate and ensure overall loan documents are accurate, complete, and compliant
- Manually underwrite loans in accordance with client guidelines
- Restructure non-conforming loans in order to meet conforming loan limits
- Complete POA review
- Identify and/or clear red flags or alerts
- Issue loan decision and condition file accordingly
- Review and approve conditions for compliance and completion of loan file
- Provide excellent customer service to internal and external clients
- Assist Processors/Loan Officers in understanding underwriting decisions and conditions
- Resolve pre- and post-closing issues as they relate to underwriting
Preferred Skills
- Minimum 2+ years current mortgage loan underwriting experience in US Mortgage.
- Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
- Knowledge of appraisal and title, and ability to recognize red flags and ineligible properties
- Strong analytic, interpersonal, and verbal and written communication skills
- Detail-oriented with strong ability to time manage
- Ability to work in a flexible and production-oriented environment
- Must be able to work in a high stress environment while delivering a high-level of customer service
- Must be willing and able to work as part of a team
- Strong capability to work in multiple systems - paperless environment
- Must be willing to work in strict security environment
- Ability to obtain NMLS-MLO Licenses preferred
- Candidates must be available to work outside of normal business hours when necessary
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