Underwriter Us Mortgages

1 week ago


India Optimar Consulting Full time

Roles & Responsibilities

  • Responsible for underwriting complete product offerings including automated and manual underwriting of mortgage loans.
  • Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
  • In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
  • Develop and maintain a loan underwriting portfolio consistent with guidelines for credit quality and Investor or Insurer standards.
  • Ability to calculate income (salaried as well as self employed) to accurately determine Debt to Income ratio
  • Respond to quality control and audit reviews when requested in a timely manner.
  • Approve and/or deny loans within certain limits and make credit structure and loan eligibility decisions.
  • Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.
  • Ability to manage and underwrite a big pipeline of loans with speed and accuracy

Experience:

  • 2+ years mortgage UW and industry experience
  • Extensive knowledge of underwriting guidelines
  • Experience with and designations for FHA, VA loans underwriting preferred
  • Detail and organizational skills
  • Excellent Customer service skills along with written and verbal communication skills
  • High School or Equivalent (GED) required, Certification, Licensure or other education training


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