Junior Underwriting

Job Detail

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 client’s 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:

Mid-level professional with 2-4 years of industry and/or relevant experience, typically at an Analyst level role or external equivalent.
3+ years of recent US Mortgage mortgage front-line underwriting experience.
Knowledge and familiarity with current mortgage policies/procedures, compliance laws and regulations—including TRID—and 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