Mortgage Underwriter

IF YOU DO NOT MEET THE REQUIREMENTS YOU WILL BE ELIMINATED.

Responsible for increasing production and maintaining high quality files salable to Freddie Mac, Ginnie Mae and Fannie Mae. Manually underwrite loans consisting of USDA & FHA products Duties included reviewing, analyzing, approving and manually underwriting large, unusual or complex Home Mortgage applications within company and industry guidelines, Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; explain rationale behind credit decision.

Required Experience:

• 5+ years
• FHA DE
• VA SAR

Desired Qualifications:

• Basic Microsoft Office skills
• Strong analytical skills including analyzing complex data
• Excellent verbal, written, and interpersonal communication skills
• Ability to interact with all team members
• Mortgage industry experience
• Knowledge/understanding of underwriting: home mortgage loans
• Knowledge/understanding of mortgage origination: review of income, asset and credit documentation
• LAPP authority is a plus
• Knowledge of Encompass is a plus

Benefits:

• Extremely competitive salary plus bonus, based upon experience
• Health/Dental Insurance/401K

Job Type: Full-time

Pay: $75,000.00 - $90,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Vision insurance

Application Question(s):

• Do you have your VA SAR?
• Do you have your FHA DE?
• Do you have LAPP authority?
• How many years of being a Mortgage UW do you have?
• What is your salary requirement?
• When was the last time you worked with Encompass? How many years of experience do you have?

Work Location: Remote