
Lead Mortgage Loan Specialist
5 days ago
About this position:
Job SummaryWe are seeking a skilled Senior Mortgage Underwriter to join our team. The ideal candidate will have extensive experience in mortgage underwriting and possess strong analytical skills.
Key Responsibilities:
- Conduct thorough reviews of mortgage loan files, including income, assets, credit, and collateral
- Utilize client's loan operating system to ensure accurate data entry
- Underwrite loans in accordance with client guidelines, utilizing AUS or manual guidelines
- Evaluate and ensure overall loan documents are accurate, complete, and compliant
- Identify and clear red flags or alerts
- Issue loan decision and condition file accordingly
- Review and approve conditions for compliance and completion of loan file
- Provide exceptional customer service to internal and external clients
- Maintain current knowledge of client and investor requirements
- Resolve pre and post-closing issues related to underwriting
- Support Processors/Loan Officers in understanding underwriting decisions and conditions
Requirements:
- Minimum 2+ years current conventional mortgage loan underwriting experience
Skills and Qualifications:
- Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags
- Basic knowledge of appraisal and ability to recognize red flags and ineligible properties
- Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP)
- 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 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 a strict security environment
- NMLS-MLO Licensure preferred
- Candidates must be available to work outside of normal business hours when necessary
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