US Mortgage Underwriter

Underwriter

Position Summary:

Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions.

The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.

Roles and Responsibilities:

• Knowledge of mortgage underwriting and Agency automated underwriting systems
• Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
• Review all mortgage applications and documentation for accuracy and completeness
• Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
• Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
• Review property documentation including title commitments, sales contracts, insurance, and flood determinations
• Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
• Review and analyze appraisals for value and compliance with industry requirements
• Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience
• Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
• Maintain the confidentiality of all customer and employee information
• Respond positively to feedback and redirection
• Fully utilize systems, tools, training, and resources provided to maximize potential
• Assist other departments as needed
• Meeting daily production.
• Meeting the daily SLA requirement
• Meeting the daily Quality requirements

Qualifications Education

Knowledge/Skills/Abilities:

• Experienced mortgage professional with 2-3 years with mortgage underwriting
• Has a complete understanding of Conventional, FHA, and VA underwriting guidelines.
• Has working knowledge of real estate lending criteria and federal, state, and agency compliance • Can multitask and manage time efficiently • Has strong organizational skills, attention to detail, and basic Microsoft Office skills
• Good analytical and problem-solving skills.
• Strong organization and verbal and written communication skills.
• Highly adaptive and open to changes as the organization grows and its needs evolve.