residential mortgage underwriter

Paramount Residential Mortgage Group

<div>Overview:
<div>
We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation. We are proud to say PRMG has one of the most aggressive bonus structures for Underwriters in the industry. Our Bonus structure has allowed some of our underwriters to double their base salary per year. Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth.</div><div></div><div><br>
PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG&rsquo;s Internal and External Job Portal to request a transfer to a different department or position.</div>
Responsibilities:
<div>
Mortgage Underwriter Responsiblities</div><ul><li>
Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.
</li><li>Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an &ldquo;investment&rdquo; quality loan product.
</li><li>Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center.
</li><li>Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation.
</li><li>Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions.
</li><li>Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing.
</li><li>Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager.
</li><li>Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files.
</li><li>Responds to post closing reviews and audits in a timely fashion.
</li><li>Performs related duties, as directed by Underwriter or Operations Manager.</li></ul>
Qualifications:
<div>
Mortgage Underwriter Qualifications</div><ul><li>
Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines.
</li><li>Experience Underwriting private investor and private mortgage insurance guidelines.
</li><li>Strong interpersonal-communication and business-relationship skills.
</li><li>Detail oriented with strong organizational and follow-through skills.
</li><li>Excellent analytical, written communication and verbal communication skills.
</li><li>Technologically proficient.
</li><li>Bachelor&rsquo;s degree in related field or equivalent professional experience.</li></ul><div></div><div><br>
At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.</div>
Min: USD $95,000.00/Yr. Max: USD $105,000.00/Yr.</div>

Remote Mortgage DE/VA Underwriter

HBW TItle Group

<p><b>Job Overview</b><br/>We are seeking a detail-oriented and highly analytical Commercial and Residential Title Examiner/Underwriter to join our dynamic team. In this pivotal role, you will be responsible for thoroughly examining property titles, conducting comprehensive risk assessments, and underwriting both commercial and residential real estate transactions. Your expertise will ensure the accuracy of title reports, mitigate potential risks, and facilitate smooth property transfers. This position offers an exciting opportunity to apply your financial acumen, negotiation skills, and knowledge of real estate processes in a fast-paced environment dedicated to excellence and integrity.</p><p><b>Responsibilities</b></p><ul><li>Conduct meticulous title searches for commercial and residential properties, collecting relevant data from public records, legal documents, and other sources to verify ownership and identify encumbrances.</li><li>Analyze title reports to assess potential risks related to liens, easements, or other claims that could impact property transfer or financing.</li><li>Underwrite real estate transactions by evaluating financial documents, appraisals, and legal information to determine insurability and compliance with company policies.</li><li>Collaborate with attorneys, lenders, agents, and clients to clarify title issues, negotiate resolutions, and facilitate efficient transaction closures.</li><li>Prepare detailed title reports and underwriting decisions while maintaining accuracy in documentation for audit purposes.</li><li>Apply risk analysis techniques using financial concepts such as cash flow analysis, credit analysis, and financial modeling to evaluate property value and borrower credibility.</li><li>Stay current on industry regulations, legal requirements, and market trends related to mortgage servicing, loan processing, and real estate finance to ensure compliance and best practices.</li></ul><p><b>Experience</b></p><ul><li>Proven experience in title examination or underwriting within the real estate or financial services industry.</li><li>Strong understanding of mortgage servicing processes, loan origination procedures, and banking operations.</li><li>Demonstrated proficiency in financial analysis tools including financial software for data collection, forecasting models, and quantitative research methods.</li><li>Knowledge of technical accounting principles relevant to real estate transactions and fraud prevention techniques.</li><li>Excellent negotiation skills combined with the ability to interpret complex legal documents and financial data accurately.</li><li>Familiarity with tax regulations affecting property valuation and ownership structures is a plus.</li><li>Ability to perform quantitative analysis with precision while maintaining a high level of attention to detail in fast-paced environments. Join us if you are passionate about ensuring the integrity of property transactions through expert underwriting and meticulous title examination! Your skills will help protect our clients&rsquo; investments while advancing your career in a vibrant industry committed to excellence.</li></ul><p>Pay: $60,000.00 - $88,370.61 per year</p><p>Benefits:</p><ul><li>401(k)</li><li>Dental insurance</li><li>Health insurance</li><li>Life insurance</li><li>Paid time off</li><li>Professional development assistance</li><li>Vision insurance</li></ul><p>Education:</p><ul><li>High school or equivalent (Preferred)</li></ul><p>Experience:</p><ul><li>Title exam and underwriting : 5 years (Preferred)</li></ul><p>Work Location: Hybrid remote in Oak Brook, IL</p>

Commercial and Residential Title Examiner/Underwriter

Summit Federal Credit Union

<div><p><b>Status: Full-Time/Non-Exempt</b></p><p><b>
Reports to: </b>Director, Real Estate Lending</p><p><b>
Location: </b>Rochester, Corporate Office</p><p><b>
Compensation: </b>$32.00-$35.00 per hour</p><p><b>
Schedule: </b>Monday-Friday, 8:30AM-5pm</p><p><b>
Hours: </b>37.5 hours per week</p><div><b><br>
Position Overview</b><br>
<br>
The <b>Mortgage Underwriter</b> is responsible for rendering credit decisions on mortgage and home equity loans in accordance with credit union policies and procedures and with secondary market guidelines. The Mortgage Underwriter also interacts with vendors, attorneys, members and realtors to ensure a quick and efficient approval and closing process.<br>
<br>
<b>Essential Functions</b><br>
<ul><li>Underwrite mortgages and home equity loans in accordance with applicable policies and procedures; issue commitments for such loans and clear loans for closing.</li></ul><br>
<ul><li>Cross sell credit union products, including non-real estate products. Participation in employee incentive program is required. Must meet or exceed sales goals established by management.</li></ul><br>
<ul><li>Monitor the status of mortgages and home equities in process. Follow-up with members, member's attorneys, appraisers, etc. in an effort to expedite the processing of applications.</li></ul><br>
<ul><li>Evaluate loan applications to determine eligibility, acceptability, and compliance with federal and state regulations, secondary market guideline and credit union requirements.</li></ul><br>
<ul><li>Examine property appraisals for compliance with federal and state regulations, secondary market guidelines and credit union requirements.</li></ul><br>
<ul><li>Superior analytical, organizational and problem solving skills.</li></ul><br>
<ul><li>Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision.</li></ul><br>
<ul><li>Coordinate with credit union real estate attorneys, PMI companies, investors and other vendors, when necessary, to facilitate mortgage approvals and closing.</li></ul><br>
<ul><li>Approve modification requests, subordination agreements, PMI removal requests and release of liability agreements when requested by members.</li></ul><br>
<ul><li>Prepare home equity commitments and home equity loans for closing.</li></ul><br>
<ul><li>Support mortgage department staff with member walk-in's and telephone contact.</li></ul><br>
<ul><li>Assist management with other various duties, as assigned.</li></ul><br>
<b>
Other Responsibilities</b><br>
<ul><li>Participate in special assignments and projects as requested by the manager.</li></ul><br>
<ul><li><i>Note: The above information on this job has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.</i></li></ul><br>
<b>
Qualifications</b><br>
<b>Knowledge &amp; Experience</b>: Applicants must possess the following qualifications or an equivalent combination of education and experience:<br>
<ul><li>Education: Associates degree or equivalent combination of education and experience.</li><li>Experience:</li></ul>
o A minimum of 5 years&rsquo; experience at a senior level in mortgage processing, underwriting and closing of mortgage loans.<br>
o A minimum of 5 years&rsquo; experience underwriting mortgage loans for secondary market investors.<br>
<br>
<b><i> Skills</i></b><br>
<ul><li>Ability to effectively communicate and interact with internal and external contacts including members, processors, loan originators, managers, staff, realtors, vendors and other clients.</li></ul><br>
<b><i>
Other Skills</i></b><br>
<ul><li>Ability to work with basic mathematical concepts such as percentages, ratios and fractions.</li><li>Ability to analyze complex data and determine.</li><li>Ability to define problems, collect data and draw conclusions.</li><li>Demonstrated ability to handle large volumes of work effectively and to work within prescribed deadlines.</li><li>Must be a licensed New York State notary public or be willing to take the necessary steps to obtain the notary public license within six months of hire.</li><li>Assist Training Department or other staff with mortgage or home equity education.</li><li>Government underwriting experience preferred.</li></ul><br>
<b>
Working Environment</b><br>
<ul><li>Must be able to sit or stand for extended periods of time in an office.</li><li>Must be available to work overtime when warranted.</li></ul><br>
<b>
Licensure Requirements</b><br>
<ul><li>In compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) and the statute&rsquo;s regulations, applicants must be eligible to register as a Mortgage Loan Originator (MLO). Candidates being considered will be subject to a credit check and fingerprinting.</li></ul><br>
<b>
Employment Expectation</b><br>
Perform all responsibilities in a manner that serves The Summit&rsquo;s Mission &ldquo;We&rsquo;re here to improve our members&rsquo; lives&rdquo; and upholds the credit union&rsquo;s values of Respect, High Standards, Inspire, Integrity, and Care.<br>
<br>
<b>Safe Work Performance Expectations</b><br>
We expect our employees to follow all objectives for safe work performance and be responsible for their own actions and conduct. Our workers also play a significant role in the success or failure of our program.<br>
<br>
<b><i>EQUAL OPPORTUNITY EMPLOYER:</i></b><i> The Summit Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, protected veteran status, or status as a qualified individual with disability.</i></div></div>

Mortgage Underwriter

Longbridge Financial

<div><b>Company Description</b><p></p><p><br>
At Longbridge, we love seniors and we&rsquo;re passionate about helping them unlock the power of one of their greatest assets&mdash;their home equity.</p><p>
As a leading provider of home equity solutions for seniors, we&rsquo;re committed to helping older homeowners make the most of what they&rsquo;ve worked hard to build, so they can live the retirement they imagined.</p><p>
And we don&rsquo;t just do it well, we do it <i>really</i> well. With an &ldquo;Excellent&rdquo; rating on Trustpilot and over a thousand customer testimonials, we&rsquo;ve earned a reputation for making it easy and stress-free to access home equity&mdash;with guidance every step of the way.</p><p>
But it&rsquo;s not just our customers who love us&mdash;our team does, too! We&rsquo;ve been named a Great Place to Work&reg; three years in a row because we believe that when people enjoy what they do and where they do it, <i>everyone</i> wins.</p><p><b>
Why Longbridge?</b></p><p>
At Longbridge, we don&rsquo;t just offer jobs, we offer careers that grow with you. Here&rsquo;s why you&rsquo;ll love being part of our team:</p><ul><li><b>
Grow With Us</b> &ndash; We&rsquo;re big believers in investing in our people. From top-notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within&mdash;because when you succeed, we all do.</li><li><b>
A Culture That Clicks</b> &ndash; We work hard, but we have fun doing it! Whether it&rsquo;s team-building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like &ldquo;just work.&rdquo;</li><li><b>
Benefits That Have Your Back</b> &ndash; We&rsquo;ve got you covered with best-in-class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company-paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers.</li></ul><p>
If you&rsquo;re looking for a place where your work truly makes a difference, we&rsquo;d love to have you on board. Apply today and let&rsquo;s do great things together!</p><p></p><b><br>
Job Description</b><p><br>
The Underwriter position underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws. Examines loan documentation for accuracy and completeness. Partners with Loan Originators, Branch Managers and Processors to secure all required documents.</p><p>
Primary Job Duties:</p><ul><li>
Responsible for underwriting files and establishing conditions to meet FHA and LBF guidelines.</li><li>
Ability to make timely, accurate decisions on all FHA transactions</li><li>
Evaluate risk and ensure quality of each loan decision</li><li>
Communicate requirements and/or decisions clearly</li><li>
Responsible for reviewing all areas of the mortgage loan file to ensure accuracy, completeness, and compliance with internal and regulatory guidelines, including but not limited to Application, Title, Appraisal, Assets, Credit, Condominium information, and income.</li><li>
Responsible for clear and concise communication to appropriate parties including but not limited to the processing department on items needed to prepare a loan for closing.</li><li>
Partner with processing to close loans in a timely in efficient manner</li><li>
Adhere to service level agreements and prioritize workflow</li><li>
Maintain quality control standards while maintaining production standards by company's definition</li><li>
Assist in identifying, recommending, and/or negotiating alternative loan documentation requirements</li></ul><p></p><b><br>
Qualifications</b><br>
<p></p><ul><li>
Three or more years of current active experience underwriting Reverse Mortgages (Retail and/or Wholesale)</li><li>
HECM for Purchase experience is a plus</li><li>
Must have a valid active CHUMS Number</li><li>
Strong credit, risk analysis, and analytical skills</li><li>
Working knowledge of federal and state regulations and requirements with emphasis on MDA, TILA, HUD and RESPA reform.</li><li>
Understands the loan flow process including file structure, and documentation requirements.</li><li>
Strong verbal and written communication skills</li><li>
Attention to detail, with strong organizational and interpersonal skills.</li><li>
Ability to work well with a wide range of people, work under pressure with a focus on deadlines, and adapt to changing situations daily</li><li>
Ability to use creative thinking to find solutions to problems</li><li>
Ability to meet and exceed service level agreements</li><li>
Competent risk-assessment skills</li><li>
Ability to multi-task</li><li>
Excellent time-management skills</li><li>
Ability to work independently with minimal supervision in a team environment</li><li>
Familiar with HUD underwriting guidelines and documentation, mortgage legal documentation, 3rd party risk assessment products and Federal/ State/Local compliance regulations</li><li>
Proprietary Reverse Mortgage underwriting experience is a plus</li></ul><p></p><b><br>
Additional Information</b><br>
<ul><li>
Working in a growing and dynamic industry</li><li>
Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts</li><li>
401(k) with company match</li><li>
Paid time off</li><li>
This is a non exempt</li><li>
Target base salary range is 95-105K which is based on various factors including skills and work experience.</li><li>
In addition to base salary, this role is eligible for a competitive additional compensation program via monthly production bonus that is based on individual performance.</li><li>
LBF is an EEO/AA/Vet/Disabled Employer</li><li>
Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial.</li></ul><p></p><p><br>
Important Note: When you click on a video, certain personal information may be sent to the video provider (such as YouTube, Vimeo, etc.). To learn more about our privacy practices, please review our company Privacy Notice.</p></div><p></p>

Reverse Mortgage Underwriter - Remote

TIAA

<div><div>The Taxable Fixed Income Senior Research Associate supports the process of obtaining, organizing and analyzing Residential Mortgage Whole Loans for the Taxable Fixed Income market-related information from internal and external sources. Working under general supervision, this job monitors, researches and analyzes markets and trends to support investment decisions and optimize Taxable Fixed Income business.</div><div><br>
Key Responsibilities and Duties</div><ul><li><div>
Daily proactive management of loan acquisition process, including liaising with clients, coordinating with key internal partners, third parties, loan servicers.</div></li><li><div>
Evaluating analytics supporting pricing activity and best-ex analysis.</div></li><li><div>
Completing pricing analyses and coordinating all steps needed for an efficient and timely closing of each deal.</div></li><li><div>
Respond efficiently and effectively to client and internal inquiries.</div></li><li><div>
Evaluate and underwrite new originator opportunities and manage onboarding process.</div></li><li><div>
Coordinate origination and closing process end-to-end, including receipt of all necessary documentation from clients and due diligence to review investments.</div></li><li><div>
Perform detailed collateral analysis on all residential mortgages.</div></li><li><div>
Use stratifications and other reporting tools to effectively convey pool characteristics, concentrations, distributions, and risks. Proactively determine missing, incomplete, and inaccurate information.</div></li><li><div>
Assist with the underwriting development process, including identifying thorough financial packages for underwriting purposes, proactively identifying and solutioning potential underwriting issues, and detailed credit risk analysis.</div></li><li><div>
Respond to data quality questions and research/resolve all issues.</div></li><li><div>
Reporting and tracking whole loan pipeline management and trading.</div></li><li><div>
Perform ad hoc reporting as needed on the Securitized Products Research team.</div></li><li><div>
Promote a culture of innovation by continuously challenging the staff to seek out process improvement initiatives, automation enhancements and idea generation to ensure the transactions are being run optimally.</div></li><li><div>
Surveil and optimize database management and reporting between multiple source data.</div></li><li><div>
Identify and structure mortgage loan opportunities during conversations with clients, originators and/or other integrated team members.</div></li><li><div>
Partner with senior Mortgage Specialists to market and promote Nuveen mortgage solutions platform including commercialization of whole loan investment strategies.</div></li></ul><div>
Educational Requirements</div><ul><li>
University (Degree) Preferred</li></ul><div>
Work Experience</div><ul><li>
2+ Years Required; 3+ Years Preferred</li></ul><div>
Physical Requirements</div><ul><li>
Physical Requirements: Sedentary Work</li></ul><div><br>
Career Level<br>
6IC</div><div></div><div>
Required Qualifications:</div><ul><li>
Minimum 2+ years of experience in fixed income research and investments</li></ul><div></div><div>
Preferred Qualifications:</div><ul><li>
3+ years of experience in securitized products loan-level analysis</li><li>
Background in residential mortgage investing or analytics is strongly preferred</li><li>
Proficiency in industry-standard tools including Excel, Bloomberg, INTEX, and Yieldbook</li><li>
Database management skills and/or some coding experience is a plus</li></ul><div></div>
Related Skills<div></div>
Asset Valuation, Capital Markets, Collaboration, Communication, Credit Analysis, Data Analysis, Financial Modeling, Fixed Income Investments, Investment Research/Analysis, Investments, Market/Industry Dynamics, Research Synthesization, Sector Expertise, Underwriting<div></div><div>
Anticipated Posting End Date:</div>
2026-03-30<div></div>
Base Pay Range: $116,000/yr - $162,000/yr<div></div><div>
Actual base salary may vary based upon, but not limited to, relevant experience, time in role, base salary of internal peers, prior performance, business sector, and geographic location. In addition to base salary, the competitive compensation package may include, depending on the role, participation in an incentive program linked to performance (for example, annual discretionary incentive programs, non-annual sales incentive plans, or other non-annual incentive plans).</div><div></div><div>
_____________________________________________________________________________________________________</div><div></div><div>
Company Overview</div><div>
Nuveen is a global investment leader, managing public and private assets for clients around the world and on behalf of TIAA, our parent company and one of the world&rsquo;s largest institutional investors. We invest in the growth of businesses, real estate, infrastructure and natural capital, providing clients with the reliability, access and foresight unique to our heritage. Our prevailing perspective on the future drives our ambition to innovate and adapt our business to the changing needs of investors - all to pursue lasting performance for our clients, our communities and our global economy. Visit <div>www.nuveen.com</div> to learn more about us.</div><div></div><div>
Our Culture of Impact</div><div>
At TIAA, we're on a mission to build on our 100+ year legacy of delivering for our clients while evolving to meet tomorrow's challenges. We equip our associates with future-focused skills and AI tools that enable us to advance our mission. Together, we are fighting to ensure a more secure financial future for all and for generations to come. We are guided by our values: Champion Our People, Be Client Obsessed, Lead with Integrity, Own It, and Win As One. They influence every decision we make and how we work together to serve our clients every day. We thrive in a collaborative in-office environment where teams work across organizational boundaries with shared purpose, accelerating innovation and delivering meaningful results. Our workplace brings together TIAA and Nuveen's entrepreneurial spirit, where we work hard and work together to create lasting impact. Here, every associate can grow through meaningful learning experiences and development pathways&mdash;because when our people succeed, our impact on clients' lives grows stronger.</div><div></div><div>
Benefits and Total Rewards</div><div>
The organization is committed to making financial well-being possible for its clients, and is equally committed to the well-being of our associates. That&rsquo;s why we offer a comprehensive Total Rewards package designed to make a positive difference in the lives of our associates and their loved ones. Our benefits include a superior retirement program and highly competitive health, wellness and work life offerings that can help you achieve and maintain your best possible physical, emotional and financial well-being. To learn more about your benefits, please review our <div>Benefits Summary</div>.</div><div></div><div>
Equal Opportunity</div><div>
We are an Equal Opportunity Employer. TIAA does not discriminate against any candidate or employee on the basis of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status.</div><div></div><div>
Our full EEO &amp; Non-Discrimination statement is on our <div>careers home page</div>, and you can read more about your rights and view government notices <div>here</div>.</div><div></div><div>
Accessibility Support</div><div>
TIAA offers support for those who need assistance with our online application process to provide an equal employment opportunity to all job seekers, including individuals with disabilities.</div><div></div><div>
If you are a U.S. applicant and desire a reasonable accommodation to complete a job application please use one of the below options to contact our accessibility support team:</div><div></div><div>
Phone: (800) 842-2755</div><div>
Email: <div>accessibility.support@tiaa.org</div></div><div></div><div>
Drug and Smoking Policy</div><div>
TIAA maintains a drug-free and smoke/free workplace.</div></div><div></div>

Taxable Fixed Income Research (RMBS) Residential Whole Loan Associate

Primis Bank

<div>
 Job Details
 <br/>
 <br/>
 <strong>
  Description
  <br/>
  <br/>
 </strong>
 <strong>
  Position Summary:
 </strong>
 The Mortgage Processor is responsible for evaluating, authorizing approval or denial of applications for people or businesses. The Mortgage Processor will act as the liaison between potential clients and our growing financial institution by researching credit records, determining client needs and recommending the best loan products for the loan package.
 <br/>
 <br/>
 <strong>
  Essential Functions
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Interview applicants, research applicant credit status and current financial position to evaluate their eligibility for a mortgage loan.
  </li>
  <li>
   Identify and recommend products that meets the customer&rsquo;s needs and the originations leading guidelines.
  </li>
  <li>
   Conclude on all applicable financial and non-financial criteria and development loan repayment plans.
  </li>
  <li>
   Collect and prepare all necessary documentation for the loan package. Check documents for proper vesting, legal descriptions, closing dates and signatures.
  </li>
  <li>
   Finalize loan contracts and keep clients informed in rules and obligations.
  </li>
  <li>
   Completes all required disclosure/verifications during the mortgage application and underwriting process.
  </li>
  <li>
   Regular, reliable, and predictable attendance.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Marginal Functions
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Comply with industry-related regulations, requirements, and state/federal laws as applicable to the job duties of this position.
  </li>
  <li>
   Remain up to speed regarding lending and other financial services.
  </li>
  <li>
   Submit files to the designated Underwriter.
  </li>
  <li>
   Follow-up with clients to verify important information.
  </li>
  <li>
   Keep abreast of industry regulations and changes and recommend procedural changes to management.
  </li>
  <li>
   Submit files to the designated Underwriter.
  </li>
  <li>
   Follow-up with clients to verify critical information.
  </li>
  <li>
   Maintain compliance with and adhere to all state and federal regulations and Bank policies and procedures, including, but not limited to Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices.
  </li>
  <li>
   All other duties as assigned
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Minimum Educational &amp; Experience Requirements
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   High school diploma or equivalent required
  </li>
  <li>
   Bachelor&rsquo;s degree in business, banking, or finance preferred.
  </li>
  <li>
   Required to possess all applicable licenses
  </li>
  <li>
   A minimum of 5 years&rsquo; experience as a Mortgage Processor or similar role
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Minimum Skill Requirements
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   In-depth knowledge of closing procedures, loan processes, and documentation.
  </li>
  <li>
   High level of understanding of current regulatory requirements affecting mortgage loans
  </li>
  <li>
   Professional and effective verbal and written communications
  </li>
  <li>
   High degree of detail orientation
  </li>
  <li>
   Strong organizational skills
  </li>
  <li>
   Ability to work independently with minimal supervision
  </li>
  <li>
   Proficient with MS Office
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Physical Demands
  <br/>
  <br/>
 </strong>
 In terms of an 8-hour workday, &ldquo;occasional&rdquo; equals 1% to 33%, &ldquo;frequent&rdquo; equals 34% to 66% and &ldquo;continuous&rdquo; equals 67% to 100%. However, some duties are performed monthly, annually or sporadically throughout the year and are essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions of the position, if the accommodation does not impose an undue hardship that would require significant difficulty or expense.
 <br/>
 <br/>
 <ul>
  <li>
   Continuous stationary position, particularly, but not limited to, at a desktop computer
  </li>
  <li>
   Continuous repetitive use of hands/arms; particularly concerning to typing, writing, phone &amp; computer use
  </li>
  <li>
   Continuous communication: verbal and written, in-person, phone and electronic
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Work Environment
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Office environment; remote and hybrid flexibility if determined by management
  </li>
 </ul>
</div>


Mortgage Processor

American Pacific Mortgage

<div></div><div><div><h1 class="jobSectionHeader"><b>JOB DESCRIPTION</b></h1><div></div><div><b><br>
Job Title: </b>Underwriter</div><div><b>
Department: </b>Operations</div><div><b>
Reports to: </b>Underwriting Manager</div><div><b>
FLSA Status: </b>Non-Exempt</div><div><b>
Prepared By</b>: Human Resources</div><div><b>
Prepared Date</b>: September 16, 2024</div><div><b>
Management</b></div><div><b>
Approval: </b>Underwriting Manager</div><div></div><div><b><br>
Summary: </b>The Underwriter is responsible for providing efficient, timely, consistent, accurate quality loan decisions on a daily basis and underwrite loans that adhere to APM Underwriting Policy and Procedures as well as adhere to the investor guidelines, policies and procedures. Additionally, they are responsible for answering questions and assisting with problem solving with other underwriting staff.</div><h1 class="jobSectionHeader"><b>
Essential Duties &amp; Responsibilities:</b></h1><h1 class="jobSectionHeader"><b>
</b></h1><ul><li>
Respond to both internal and external QC audit findings in a timely and proficient manner.</li><li>
Underwrite a minimum of 2 loans per day and complete outstanding conditions in a timely manner.</li><li>
Review files for accuracy and completeness according to the Underwriter Checklist, APMC guidelines and investor/agency guidelines.</li><li>
Run files through Quality Control tools.</li><li>
Communicate effectively with processors and loan officers on status of loan files and conditions.</li><li>
All other related duties assigned</li></ul><div><b><br>
Supervisory</b></div><div><b>
Responsibilities:</b> None</div><div></div><div><b><br>
Qualifications: </b>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><div><b><br>
Competencies: </b>To perform the job successfully, an individual should demonstrate the following competencies:</div><div></div><div><b><br>
Problem Solving </b>&ndash;Analytical, evaluative, and problem-solving. Identifies and resolve problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.</div><div></div><div><b><br>
Detail Oriented &ndash; </b>Keen attention to detail</div><div></div><div><b><br>
Interpersonal Skills </b>&ndash;Ability to set and manage priorities judiciously Maintains confidentiality; keeps emotions under control.</div><div></div><div><b><br>
Oral Communication </b>&ndash; Ability to present ideas in business-friendly and user-friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings.</div><p></p><div><b><br>
Written Communication </b>&ndash; Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information.</div><div></div><div><b><br>
Teamwork </b>&ndash; Ability to work in a team-oriented, collaborative environment. Contributes to building a positive team spirit.</div><div></div><div><b><br>
Attendance/Punctuality </b>&ndash; Is consistently at work and on time, ensures work responsibilities are covered when absent.</div><div></div><div><b><br>
Dependability </b>&ndash; Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; complete tasks on time or notifies appropriate person with an alternate plan.</div><div></div><div><b><br>
Initiative </b>&ndash; Exceptionally self-motivated and directed. Volunteers readily; undertakes self-development activities; seeks increased responsibilities.</div><div></div><div><b><br>
Innovation </b>&ndash; Displays original thinking and creativity; generates suggestions for improving work.</div><p></p><h1 class="jobSectionHeader"><b><br>
Education &amp;</b></h1><h1 class="jobSectionHeader"><b>
Experience:
</b></h1><ul><li><h1 class="jobSectionHeader"><b>Proven Experience with Encompass Required</b></h1></li><li><h1 class="jobSectionHeader"><b>
At least three (3) years underwriting experience.</b></h1></li><li>
Authority to underwrite CONV and when designated authority is authorized, USDA and/or Jumbo products to APMC or investor guidelines</li><li><h1 class="jobSectionHeader"><b>
General experience and understanding of the following products:</b></h1><ul><li><h1 class="jobSectionHeader"><b>
Mortgage Builder</b></h1></li><li><h1 class="jobSectionHeader"><b>
Microsoft Word and Excel</b></h1></li><li><h1 class="jobSectionHeader"><b>
Outlook</b></h1></li><li><h1 class="jobSectionHeader"><b>
Internet navigation</b></h1></li></ul></li></ul><div><b>
Skills</b>:</div><div><b>
Language Skills</b>: Ability to read and interpret documents and writes routine correspondence. Ability to speak effectively with customers/vendors or other employees.</div><div></div><div><b><br>
Mathematical Skills</b>: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.</div><div></div><div><b><br>
Reasoning Ability</b>: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situation.</div><div></div><div><b><br>
Computer Skills</b>: Sound working knowledge of computer and office software operations and systems. Encompass required.</div><div></div><div><b><br>
Physical Demands</b>: 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.</div><div></div><div><br>
While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop.</div><div></div><div><b><br>
Work Environment</b>: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</div><div></div><div><br>
The noise level and temperature in the work environment is usually moderate.</div></div></div><div></div>

UNDERWRITER

Search 4894+ Residential mortgage underwriter jobs near you this March. New roles added regularly across leading industries. Apply today.