15h Left Underwriter, Shared Services

Job Description

SitusAMC is where the best and most passionate people come to transform our clients businesses and their own careers. Whether youre a real estate veteran, a passionate technologist, or looking to get your start, join us as we work together to realize opportunities for everyone, we proudly serve.

At SitusAMC, we are looking to match your unique experience with one of our amazing careers, so that we can help you realize your potential and career growth within the Real Estate Industry. If you are someone who can be yourself, advocate for others, stay nimble, dream big, own every outcome, and think global but act local come join our team

Essential Job Functions

- Review loan files for completeness and accuracy including but not limited to calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation.
- Evaluate debt & loan-to-value ratios, credit score, property valuation and various other factors.
- Determine and document loan conditions, communicate requirements, and/or decisions.
- Identify saleability issues, potential fraud and portfolio risks based on trends, red flags, and clients business practices.
- Maintain knowledge of all applicable agency and non-agency underwriting guidelines.
- Exhibit working knowledge of AUS to determine applicable loan conditions.
- Such other activities as may be assigned by your manager.

Qualifications/ Requirements

- 5+ years of recent US Mortgage mortgage front-line underwriting experience.
- Knowledge and familiarity with current mortgage policies/procedures, compliance laws and regulationsincluding TRIDand understanding of mortgage regulatory changes.
- High producer with attention to quality
- Strong commitment to customer service and satisfaction
- Excellent time management skills
- Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted practices.
- Detail oriented, with superior verbal and written communication skills
- Strong PC skills, with demonstrated proficiency with Microsoft Office.
- Must be able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service
- Demonstrate professional behaviour including:

- Positive attitude
- Punctuality
- Dependability
- Understanding and adherence to company policies and procedures
- Demonstrated understanding of mortgage guidelines and policies for VA, FHA, FNMA, FHLMC & USDA
- Analysis and Calculation of qualifying income from various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc.
- Analysis of Credit Reports and Bank Statements
- Experience with both AUS and manual underwriting methods including DU and LP.
- Working knowledge of running and reviewing third party loan-level Fraud Reports (Fraud Guard, Fraud Manager or DRIVE) would be preferred.
- Experience of working on Non-QM loans (Jumbo and Bank Statement Programs) in addition to AUS loans would be preferred

When / if working remotely

- Maintenance of a safe and professional home office environment
- Appropriate equipment set-up including dual monitors, high speed internet and appropriate computer systems.
- The employee may be required to report to a different local office as a normal, contemplated, and mandated incident of their employment.
- To adhere to organizations Information security policies and procedures such as Acceptable use policy.

Note: This job description is not intended to be all inclusive or exclusive. At any time, employees may perform other related duties as required to meet the ongoing needs of the organization and participate in additional trainings. SitusAMC does not accept unsolicited resumes from staffing agencies, search firms or any third parties. Any unsolicited resume submitted to SitusAMC in any manner will be considered SitusAMC property, and SitusAMC will not pay a fee for any placement resulting from the receipt of an unsolicited resume.

The annual full time base salary range for this role is

1.00 - 1.00

Specific compensation is determined through interviews and a review of relevant education, experience, training, skills, geographic location and alignment with market data. Additionally, certain positions may be eligible to receive a discretionary bonus as determined by bonus program guidelines, position eligibility and SitusAMC Senior Management approval.

SitusAMC offers a comprehensive and competitive benefits plan.

SitusAMC is an Equal Opportunity Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by law.