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Mortgage Underwriter (Remote)

Job Detail

  • Job ID 4593
  • Career Level  Officer
  • Experience  4-6 Years
  • Industry  Real Estate
  • Qualifications  Degree Bachelor

Job Description

Responsibilities will include:

  • Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.
  • Review all required loan data, reports, and inspections to ensure the customer is acceptable to the investor and the company.
  • Make independent decisions regarding acceptance and risk of loans according to FNMA/FHLMC, company, and investor guidelines.
  • Core underwriting experience is a must. Good working knowledge of all 4 C’s of Underwriting. (i.e. Credit. Capacity, Collateral and Capital).
  • Review the borrower’s profile including credit, income, assets, collateral, compliance, employment, and other lending risks such as interested party involvement.
  • Sign off on conditions in a timely manner set by management.
  • Work with staff and management to find solutions on escalated loans.
  • Make recommendations for improving internal audit’s policies and procedures, as requested.Manage your individual pipeline by using all functions of Encompass.
  • Effectively communicate underwriting decisions with processors, loan advisors and other members of the company.
  • Maintain a high level of customer service and communication with other departments
  • Contribute to the ground-up build out of our mortgage origination process.
  • Collaborate with internal teams to creatively solution for challenging underwriting scenarios
  • Review escalation and exception requests
  • Shape Homeward’s transaction eligibility requirements and related underwriting processes

About you:

  • 3+ years of experience underwriting FNMA, FHLMC, FHA, VA, and Non-Conforming (Jumbo) mortgages, wholesale underwriting experience a plus
  • FHA and VA designations also a plus
  • Expert knowledge of Desktop Underwriter (DU) and purchase mortgage underwriting
  • Strong written and verbal communication skills
  • Ability to thrive in a fast-paced, high production environment
  • The drive to build something new

Note: This role has 4 available shifts Friday-Tuesday, Tuesday-Saturday, Sunday-Thursday, or Friday-Monday(hours extended). Please be prepared to talk through which shift you prefer.

Required skills

Mortgage Underwriter Underwriter US Mortgage

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