mortgage loan underwriter

Guild Mortgage Company LLC

<div>Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.

Position Summary

The Underwriter III plays an important role in the organization by performing a number of activities related to the company&rsquo;s retail operations functions. The role is primarily responsible, under intermittent to infrequent supervision, for underwriting specialty loans such as jumbo and renovation as well as conventional, FHA, VA, USDA, new construction, and condominium project loans according to company, secondary market investor, and government agency standards. This includes ensuring all tax, title, insurance, and closing documentation associated with the loan applications are accurate and complete, and approving or denying loan applications based on compliance with underwriting standards and risk management factors. The Underwriter III is considered the &ldquo;go to&rdquo; subject matter expert when the Lead/Supervisor/Manager is not available.

Essential Functions
<ul>
<li>Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.</li>
<li>Analyze customer&rsquo;s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.</li>
<li>Review appraisals to ensure that loans meet secondary market, investor, and company standards.</li>
<li>Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.</li>
<li>Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.</li>
<li>Provide options and recommendations to borrowers regarding suitable loan programs.</li>
<li>Stay abreast of current regulations and industry trends that affect compliance and decision-making.</li>
<li>Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).</li>
<li>Use expertise to answer questions and resolve escalated issues from junior-level teammates.</li>
<li>Perform other duties as assigned.</li>
</ul>
Qualifications
<ul>
<li>High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred</li>
<li>Total recent work experience that includes eight or more years as an underwriter preferably with three years of specialty experience such as jumbo and renovation loans.</li>
<li>Direct Endorsement (DE) certification required; must have current certification(s) for any assigned region with state-specific requirements to originate/supervise loans, along with endorsements including Direct, VA, Auto and SAR.</li>
<li>Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing.</li>
<li>Expert-level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.).</li>
<li>Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls.</li>
<li>Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks.</li>
<li>Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness.</li>
<li>Intermediate math skills.</li>
<li>Strong verbal and written communication skills.</li>
<li>Strong detail orientation and highly organized.</li>
<li>Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs.</li>
</ul>
Supervision
<ul>
<li>Intermittent to infrequent supervision required, depending on experience</li>
<li>Moderate to high levels of independent judgment and discretion required; resolves escalated issues of high complexity</li>
<li>May provide guidance to less experienced teammates</li>
</ul>
Requirements
<ul>
<li>Physical: Work is primarily sedentary; occasionally walks and/or stands.
</li>
<li>Manual Dexterity: Frequent use of computer keyboard and mouse.
</li>
<li>Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
</li>
<li>Environmental: Office environment &ndash; no substantial exposure to adverse environmental conditions.</li>
<li>Prior jumbo or Non-QM experience required.</li></ul> 


Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&amp;D, LTD and 401(k) with employer match.

Guild Mortgage Company is an Equal Opportunity Employer.

This position offers eligibility for incentive compensation.

Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant&rsquo;s geographical location.</div>

Underwriter III, Specialty Loans

Sikorsky Financial Credit Union

<div>Why Join the Sikorsky Credit Union Team? 
Sikorsky Credit Union has been named the #1 Credit Union in Connecticut for 6 years in a row. We are one of the largest credit unions in the state, with over $1 billion in assets, and we continue to grow!
If you are passionate about helping people achieve their financial goals and want to make a difference in the local community, we want to hear from you! We are looking for talented people to help us improve the banking experience for our valued members.
Working at Sikorsky Credit Union has its benefits. You&rsquo;ll enjoy an awesome work-life balance, competitive pay, and an excellent benefits package that includes paid-time off, medical/dental, 401K plan with company match, tuition reimbursement and more! Please check out the details below to learn more about this position.
General Summary:<div>
The Consumer Lending Underwriter is responsible for underwriting secured and unsecured consumer loans in accordance with credit union underwriting standards and product guidelines.</div><div></div><div> 
Key Essential Responsibilities:</div><ul><li>
Effectively manages assigned pipeline within loan origination system (LOS). Completes all tasks in LOS queues to ensure a high level of service is provided to Digital, Branch, and Indirect lending business lines.</li><li>
Approves or denies auto loans (direct and indirect), personal loans, and credit cards up to designated lending authority.</li><li>
Ensures that consumer loan applications are underwritten and processed consistent with company guidelines, policies, and procedures to protect the credit union&rsquo;s loan portfolio.</li><li>
Communicates loan decisions to production team. Explores opportunities to assist credit union members or staff by recommending available products or services to meet member needs.
</li><li>Mitigates risk for the credit union by exercising sound judgment during credit application evaluations.</li><li>
Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management and vendors.</li><li>
Keeps abreast of industry developments including, but not limited to changes in regulations and technology.</li><li>
Ensures adherence to company policies and procedures and banking/credit union regulations.</li><li>
Performs additional duties as required.</li></ul><div></div><div> 
Essential Skills, Knowledge and Requirements:</div><ul><li>
High school diploma or equivalent. Associate&rsquo;s degree or relevant business coursework 
 preferred. Will consider experience in lieu of degree.</li><li>
Three years&rsquo; experience in retail banking, mortgage or consumer lending, or loan origination. Experience working as an underwriter (1 year) or within loan fulfillment team (processing, closing, funding).</li><li>
General knowledge of consumer loan products, features, and benefits. Knowledge of 
 consumer loan pricing, policies and procedures a plus. Working knowledge of consumer finance.</li><li>
Excellent organizational, problem solving, communication and time management skills. Ability to effectively multi-task.</li><li>
Familiarity with core banking and LOS systems (Fiserv DNA, CUDL/L360).</li><li>
Proficient in Microsoft Office applications.</li></ul>
Sikorsky Credit Union is an equal opportunity employer that is proud of its commitment to diversity and inclusion. Therefore, we welcome applicants from all communities, including age, color, ethnicity, familial or marital status, gender identity or expression, language, national origin, physical or mental disability, military or veteran status, race, religion, sexual orientation, and socioeconomic background.</div>

Consumer Lending Underwriter

LBC Mortgage

<div>
 
 About LBC Mortgage
 
 
 
 At LBC Mortgage, we are committed to delivering exceptional lending solutions and personalized service to our clients. As we continue to grow, we are looking for an experienced and detail-oriented Commercial Mortgage Underwriter to join our team.
 
 
 
 Position Overview
 
 
 
 The Commercial Mortgage Underwriter will be responsible for analyzing and evaluating commercial loan applications, assessing financial risk, and ensuring compliance with company and investor guidelines. The ideal candidate has strong experience in commercial lending, excellent analytical skills, and the ability to work efficiently in a fast-paced environment.
 
 
 
 Responsibilities
 
 
 
 <ul>
 <li>
 Review and analyze commercial mortgage loan applications and supporting documentation
 </li>
 <li>
 Assess borrower creditworthiness, financial statements, tax returns, cash flow, and collateral
 </li>
 <li>
 Perform risk analysis and make sound underwriting decisions
 </li>
 <li>
 Ensure loans meet internal policies, investor requirements, and regulatory guidelines
 </li>
 <li>
 Work closely with loan officers, processors, and management throughout the loan process
 </li>
 <li>
 Prepare clear and detailed underwriting summaries and recommendations
 </li>
 <li>
 Identify potential risks and propose mitigating solutions
 </li>
 <li>
 Maintain strong communication with all parties involved in the transaction
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 <ul>
 <li>
 Minimum 2+ years of commercial underwriting experience
 </li>
 <li>
 Strong understanding of commercial real estate lending and underwriting guidelines
 </li>
 <li>
 Ability to analyze complex financial documents and credit profiles
 </li>
 <li>
 Excellent attention to detail and organizational skills
 </li>
 <li>
 Strong communication and problem-solving abilities
 </li>
 <li>
 Ability to manage multiple files and deadlines simultaneously
 </li>
 <li>
 Experience with residential mortgage underwriting is a plus
 
 
 </li>
 </ul>
 
 What We Offer
 
 
 
 <ul>
 <li>
 Competitive compensation
 </li>
 <li>
 Career growth opportunities
 </li>
 <li>
 Supportive and professional work environment
 </li>
 <li>
 Opportunity to work with a growing and dynamic team
 
 
 </li>
 </ul>
 If you are a motivated professional with commercial underwriting experience and a passion for the mortgage industry, we would love to hear from you.
</div>

Underwriter

CrossCountry Mortgage, LLC

<div>CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You&rsquo;ll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
About Valere Commercial:
Part of the CrossCountry family of companies, Valere Commercial is a private real estate lender built for the modern investor. We offer flexible, fast, and scalable lending solutions backed by strong capital and a commitment to long-term client success. Our platform is designed to support real estate entrepreneurs - not just for one deal, but across their entire investment journey. You&rsquo;ll be part of a company that&rsquo;s agile, well-capitalized, and built to scale. We move fast, think big, and empower our team to do the same.
Valere Commercial&rsquo;s core focus is on business purpose loans, including but not limited to the following products: investor bridge, fix-and-flip, ground-up construction (1-4 family and multi-family), multi-family term, cross-collateralized, and builder finance.
Position Overview:
The BPL Underwriter is an experienced mortgage professional specializing in complex transactions including fix and flip, multifamily, senior bridge, and construction loans. This role demonstrates skill in structuring deals, analyzing financial and property valuations, and ensuring compliance with company policies and regulatory standards. The BPL Underwriter collaborates cross-functionally with production, closing, and legal teams to deliver tailored lending solutions and drive successful loan execution.
Job Responsibilities:<ul><li>
Lead the underwriting process while managing deal timelines, developing credit recommendations, and ensuring compliance with company policies.</li><li>
Work directly with production teams to develop loan structures that will meet clients&rsquo; financial objectives; develop and maintain strong relationships with production and closing departments.</li><li>
Prepare underwriting narratives and independent cash flow estimates, focusing on large, complex transactions, including multifamily, senior bridge and construction loan deals.</li><li>
Evaluate the market competitiveness of the proposed collateral and determine the economic feasibility of transactions; conduct detailed economic and market research.</li><li>
Model and review cash flows, financial statements, and analyze property valuations.</li><li>
Review third party reports from vendors such as appraisers, surveyors, and engineers to ensure compliance with all requirements.</li><li>
Collaborate with loan officers, loan closers, and legal counsel to move loan requests through the approval and closing process.</li><li>
Conduct and participate in customer meetings and conference calls.</li><li>
Present recommendations to the appropriate levels, including all key documentation. (term sheets, applications, commitments, credit memos, etc.)</li><li>
Crosstrain across Valere&rsquo;s various products and exit strategies to cultivate ability to underwrite a variety of deal types.</li></ul>
Qualifications and Skills:<ul><li>
Bachelor&rsquo;s Degree in Statistics, Business, Finance, Accounting or Economics, preferred.</li><li>
5+ years of experience underwriting Single, Multifamily and Commercial Real Estate Loans; experience with building or utilizing cash flow model technologies, preferred.</li><li>
Completion of a formal commercial loan underwriting training program (Ex. Omega), preferred.</li><li>
Experienced in high-volume environments, efficiently managing assignments to consistently meet deadlines.</li><li>
Skilled in prioritizing tasks and avoiding distractions to meet deadlines without direct supervision in a remote work environment.</li><li>
Experience with Moody&rsquo;s Credit Lens, preferred.</li><li>
Advanced knowledge of commercial real estate underwriting, including the development of cash flow forecasts and pricing metrics.</li><li>
Excellent oral and written communication skills.</li><li>
Proficient in Microsoft Office Suite.</li><li>
Ability to travel as needed to execute the expectations of the role.</li></ul>
This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.
Pay Range:
<ul><li>Hourly Rate: $48.08-$57.69</li><li>
Bonus: Eligible for discretionary bonus incentive.</li></ul>
The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position<div>
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com 
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com
California residents: Please see CrossCountry&rsquo;s privacy statement for information about how CrossCountry collects and uses personal information about California applicants. 
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual&rsquo;s association with a member of a protected group or any other characteristic protected by federal, state, or local law (&ldquo;Protected Characteristics&rdquo;). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. 
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.</div></div>

BPL Underwriter - Valere Commercial

A Hiring Company

<div>
 Description:
 
 
 
 Job Summary
 
 
 We are seeking an experienced Senior Mortgage Loan Processor to join our team at our national headquarters in the South Jordan, Utah area. In this role, you will act as the primary performer of the tasks and workflow of the application while the loan is in process, managing a high-volume pipeline from initial submission through to closing. The ideal candidate has 5+ years of experience in processing FHA, VA, Conventional, and Jumbo loans, and is looking for a stable, fast-paced environment with a national presence.
 
 
 
 
 
 
 What We Offer:
 
 
 <ul>
 <li>
 Competitive salary commensurate with experience.
 </li>
 <li>
 Comprehensive benefits package (Health, Dental, Vision, 401k match, and more).
 </li>
 <li>
 Hybrid work environment - This role is based in our South Jordan, Utah headquarters, with flexibility for a hybrid schedule (combining in-office and remote work) after the initial onboarding period.
 </li>
 <li>
 A stable, national presence with opportunities for growth at our headquarters.
 </li>
 </ul>
 
 
 
 
 
 Key Responsibilities:
 
 
 <ul>
 <li>
 Pipeline Management: Manage a high-volume &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;pipeline of residential mortgage loans (FHA, VA, Conventional, Jumbo), &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ensuring files are accurate, complete, and move through the process &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;efficiently.
 </li>
 <li>
 Document Review &amp; Verification: Thoroughly review loan applications, income, assets, and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;credit documentation to identify potential red flags and ensure accuracy.
 </li>
 <li>
 Underwriting Liaison: Act as the primary liaison &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;between Loan Officers, Underwriters, and borrowers, proactively clearing &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;conditions to obtain a "Clear to Close".
 </li>
 <li>
 AUS Familiarity: Proficiently run and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;interpret desktop underwriting systems (DU/LPA).
 </li>
 <li>
 Documentation Ordering: Order and verify &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;third-party reports, including appraisals, title reports, flood &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;certifications, and VOEs.
 </li>
 <li>
 Compliance: Ensure all loan files comply with federal, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;state, and company policies, including TRID regulations.
 </li>
 <li>
 Communication: Provide regular status updates to borrowers, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;loan officers, and real estate agents to ensure a smooth, timely closing.
 </li>
 </ul>
 
 
 Requirements:
 
 
 
 Qualifications
 
 
 <ul>
 <li>
 Experience: Several years of active, hands-on experience in mortgage loan processing.
 </li>
 <li>
 Loan Types: Expert knowledge of FHA, VA, Conventional, and Jumbo loan guidelines.
 </li>
 <li>
 Systems: Proficiency in LendingPad LOS is preferred; experience with Encompass or similar LOS required.
 </li>
 <li>
 Technology: Strong proficiency in Desktop Underwriter (DU) / Loan Prospector (LPA).
 </li>
 <li>
 Skills: Excellent verbal and written communication skills, with a high degree of attention to detail and ability to work under tight deadlines.
 </li>
 </ul>
 
 
 Work Environment
 
 
 This position may be remote or in-office at CBCMA&rsquo;s onsite location in South Jordan, UT.
 
 
 
 
 
 
 Physical Requirements:&nbsp;
 
 
 <ul>
 <li>
 Prolonged periods of sitting at a desk.
 </li>
 <li>
 Must be able to lift up to 15 pounds at times.
 </li>
 <li>
 Prolonged hours working on a computer looking at screens and computer monitor
 </li>
 </ul>
 
 
 
 
 
 Position Type/Expected Hours of Work
 
 
 This is a full-time position, and hours of work and days are Monday through Friday, 8 a.m. to 5 p.m. with occasional evenings as job duties demand.
 
 
 
 
 
 
 Travel
 
 
 No travel is expected.
 
 
 
 
 
 
 Education and Experience
 
 
 <li>
 Minimum 5 years experience in an active, hands-on role in mortgage loan processing.
 </li>
 <li>
 Solid knowledge and understanding of FHA, VA, Conventional, and Jumbo loan guidelines.
 </li>
 <li>
 High School Degree/GED or higher.
 </li>
 
 
 
 
 
 Additional Eligibility Qualifications
 
 
 None.
 
 
 
 
 
 
 Work Authorization/Security Clearance
 
 
 Must be authorized to legally work within the United States of America.
 
 
 
 
 
 
 Other Duties
 
 
 Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.&nbsp;
 
 
 
 
 
 
 Compensation details:
 
 65000-75000 Yearly Salary
 
</div>

Senior Loan Processor

Community Financial System, Inc.

<div>Overview:
<div>
At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration.</div><div></div><div> 
Just as our employees are committed to helping our customers manage their finances, we&rsquo;re committed to our employees. After all, they make it happen for our customers every day.</div><div></div><div> 
To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities.</div>
Responsibilities:
<div>
The Assistant Mortgage Loan Consultant (AMLC) assists the Mortgage Loan Consultant(s) (MLC) to produce mortgage loans efficiently and timely, with minimal errors, all while maintaining exceptional customer service. The AMLC performs a variety of administrative duties in support of, and in concert with the individual MLC quest in establishing and maintaining strong professional ties to area business generators, builders, centers of influence, as well as individual residential real estate customers.</div><ul><li>
Supports the Mortgage Loan Consultant in soliciting quality loan applicants through various methods and media.</li><li>
Assists MLCs to gather information related to residential real estate applications through interaction with parties involved in the transaction, while adhering to customer privacy guidelines.</li><li>
Schedules appointments on behalf of the MLC, or with the AMLC which fit the needs of the bank and customer, whether on company premises or at a mutually convenient location.</li><li>
In support of the originating MLC, may inform customers of the institution's loan programs, underwriting guidelines and applicable government regulations.</li><li>
Prepares and maintains applications and manages application documents.</li><li>
Prepares Loan Estimates in compliance with regulatory guidelines and bank policy.</li><li>
Answers incoming inquiries, written or otherwise, and satisfies those inquiries, or consults with the Mortgage Loan Consultant to satisfy the inquiry if applicable.</li><li>
Maintains and fosters relationships with realtors, attorneys, appraisers, applicants, and Mortgage Processing personnel.</li><li>
May attend loan closings on behalf of the MLC.</li><li>
Processes final documentation and loan tickets to initiate the booking process.</li><li>
Stays abreast of, and participates in, community outreach programs within the MLC's designated territory to ensure the bank remains a partner to groups of low to moderate income (LMI) and those in a protected class.</li><li>
Ensures exceptional customer service, both internal and external by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State compliance policies.</li><li>
Performs other related duties as assigned or directed.</li><li>
Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures and internal controls, and meet all job-specific requirements in a timely fashion</li></ul> 
<div></div>
Qualifications:
<div>
Education/Training:</div><ul><li>
An Associates degree or equivalent preferred.
</li><li>This position requires National Mortgage Licensing System (&ldquo;NMLS&rdquo;) registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).</li><li>
All applicants must be 18 years of age or older.</li></ul><div>
Skills:
</div><ul><li>Proficient reading, writing, grammar, and mathematics skills; comfortability with various software programs and overall PC functions, proficient interpersonal relations and communication skills; ability to multitask and manage multiple duties effectively; and, the ability to learn and maintain a working knowledge of Bank operating policies and products.</li></ul><div>
Experience:</div><ul><li>
Previous banking and/or mortgage industry experience preferred.
</li><li>Experience in a high volume, multi-tasked professional administrative, sales, or customer service position.
</li><li>Experience in submitting loan file requests electronically (DU-Desktop Underwriter) and knowledge of FNMA guidelines a plus.</li></ul> 
<div></div>
Min: USD $22.60/Hr. Max: USD $33.93/Hr. Other Job Information:
<div>
Hours: 40 hours/week</div><div></div><div> 
Compensation: Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision &amp; Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!</div><div> 
Physical Requirements:</div><div>
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus.</div><div> 
The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law. 
 
The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department.</div></div>

Assistant Mortgage Loan Consultant (On-Site)

AnnieMac Home Mortgage

<div>AnnieMac Home Mortgage is looking to hire Full Time External Mortgage Loan Originators to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry. Under the direct supervision of the Branch Manager, the job responsibilities of the External Mortgage Loan Originator position include, but are not limited to, the following:<ul><li>
Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.</li><li>
Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.</li><li>
Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.</li><li>
Take information from the borrower and fill out the loan application.</li><li>
Develop relationships with referral partners such as realtors to generate new customers.</li><li>
Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.</li><li>
Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.</li><li>
Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;</li><li>
Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.</li><li>
Counsel and advise the borrower in understanding and clearing credit problems.</li><li>
Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.</li><li>
Order legal documents.</li><li>
Review HUDS prior to closing.</li></ul><ul><li>
Must have appropriate state license or certificate (varies by state).</li><li>
Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.</li><li>
Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.</li><li>
Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)</li><li>
Must have excellent communication skills and the ability to analyze financial information.</li><li>
Must be a sales-oriented self-starter.</li></ul>
Work Environment/Physical Demands: Travel is required 80% of the time.
AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.
***AnnieMac Home Mortgage is an Equal Opportunity Employer***
***AnnieMac Home Mortgage participates in E-Verify.***</div>

Outside Loan Originator

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