Senior Loan Reviewer

Underwriting Position Overview

The Underwriter will be responsible for 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.

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• Perform complete and in-depth review 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">
• Ability to identify and/or clear red flag 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">
• Maintain current knowledge of client and investor requirements">
• Resolve pre and post-closing issues as they relate to underwriting">
• Assist Processors/Loan Officers in understanding underwriting decisions and conditions">
• Must be able to work in a high stress environment while delivering a high-level of customer service">
• Ability to work more than 40 hours, on an as needed basis">

Required Skills and Qualifications

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• Minimum 2+ years current conventional mortgage loan underwriting experience">
• 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 strict security environment">
• NMLS-MLO Licensure preferred">
• Candidates must be available to work outside of normal business hours when necessary">

About the Role

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, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval.

Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.

Responsibilities include performing complete and in-depth reviews of mortgage loan files, utilizing client's loan operating system to ensure accurate data entry, and underwriting loans in accordance with client guidelines.

Other responsibilities include evaluating and ensuring overall loan documents are accurate, complete, and compliant, and providing excellent customer service to internal and external clients.

Qualifications for this role include minimum 2+ years current conventional mortgage loan underwriting experience and strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags.

Additionally, candidates must have 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), and strong analytic, interpersonal, and verbal and written communication skills.

Benefits

Benefits of this role include being part of a high-performing team and having opportunities for professional growth and development.

Candidates will also have access to training and resources to help them succeed in their role and advance their careers.

Additionally, this role offers a competitive salary and benefits package, including medical, dental, and vision insurance, as well as a 401(k) plan.

Other benefits include paid time off, holidays, and sick leave, as well as opportunities for career advancement and professional growth.

As part of our commitment to diversity and inclusion, we strive to create a workplace culture that values and respects differences in all forms.

Our goal is to build a diverse and inclusive team where everyone feels valued, respected, and empowered to contribute their best work.

We believe that a diverse and inclusive team is essential to driving innovation, creativity, and success.

By fostering a culture of inclusivity and respect, we aim to create a workplace where everyone can thrive and reach their full potential.

As a member of our team, you will have the opportunity to make a positive impact and contribute to our mission of creating a better world through innovative solutions and exceptional service.

How to Apply

Interested candidates should submit their resume and cover letter to apply for this role.

Please note that only qualified candidates will be contacted for an interview.

Thank you for considering this opportunity.

Sincerely,
[Your Name]