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Job 26323


Location:
Des Moines, IA (Headquarters) Remote Locations: Midwest States, Rockies, NW, Pacific NW

Job Title:
Underwriters-Remote

Employment:
Direct Hire

Description:

A client-centric mortgage company is seeking Direct Hire Mortgage Underwriters working remote anywhere in the Midwest. This position will review residential mortgage loan files according to investor guidelines.

Responsibilities:

  • Analyzing mortgage loan files, including the application, income and credit documentation along with collateral, to ensure compliance with company policies and adherence to FNMA, FHLMC, FHLB, or USDA policy.
  • Assessing the risk for each loan application for potential fraud or misrepresentations.
  • Ensuring the documentation is consistent and upholds to company and industry guidelines.
  • Contacts clients to gather information necessary to make appropriate decisions.
  • Provides rationale to support credit and collateral decision.
  • Recommend credit decisions to management on requests exceeding assigned lending authority of Conforming Loan Limits.
  • Uses escalation process for decisions that may not meet underwriting policies and procedures.
  • Updates Loan Origination System with the current status for active loans in process.
  • Provides support to Loan Officers and Processors regarding questions and/or clarification of loan parameters and decisioning outcomes.
  • Communicates effectively with client on outstanding requirements and conditions.
  • Meets company's policy on turn time requirement of 48 hours for review of new and resubmitted files.  Underwriter will work to exceed customer’s expectations.
  • Researches, analyzes and responds to internal and external customer questions and concerns in order to come to an agreeable solution.
  • Maintains current knowledge of all guidelines, processes and systems being used.
  • Ensures that all fair lending compliance policies are followed.
  • Identify and develop underwriting policy and procedure recommendations to improve underwriting and risk management practices.
  • Perform other duties as assigned

Basic Qualifications:

  • At least 3 years of current front line underwriting experience
  • Understanding of Conventional products:  FNMA, FHLMC, FHLB and USDA.
  • Experience with income analysis which includes exposure to reviewing personal, Partnership and Corporate tax returns.

Preferred Qualifications:

  • Encompass experience a plus.
  • Advanced asset analysis and experience working with all asset structures.
  • Strong analytical skills with high attention to detail and accuracy.
  • Strong analytical skills including analyzing complex data.
  • Experience in delivering difficult (denial) decisions.
  • Ability to handle confidential material professionally and ethically.
  • Ability to make independent judgement calls based on regulatory knowledge.
  • Able to build and maintain professional relationships with clients, customers, and co-workers.
  • Time management and organizational skills to effectively prioritize multiple objectives and achieve volume goals.
  • Thorough understanding of underwriting policies and procedures, including investor guidelines.
  • Basic Microsoft Office Skills
  • Ability to work independently.
  • Ability to interact with all levels of the organization.
  • Excellent Verbal, Written and Interpersonal Communication Skills
  • Work overtime as needed.
  • Must be flexible to work with the needs of a production environment.

 

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. 






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