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Mortgage Underwriter – Remote

USALLIANCE

This is a Full-time position in Remote  - US posted July 7, 2020.

Location: Remote  – US

Description

USALLIANCE is seeking individuals to join our Mortgage Lending team with the ability and desire to provide outstanding and world-class customer service to our Members and Broker Partners throughout the lending process.

Both Remote and In-Office positions are available.

  • Analyze information to determine risk involved in lending money for mortgage loans; responsible for analyzing/verifying income, assets, credit and all supporting documentation to ensure sufficient to loan standards and guidelines; includes verifying all documentation is correct, complete and in the loan file; that the information has been correctly calculated.
  • Provide direction and guidance to processing staff for documentation and processing quality; ensure file conforms to guidelines.
  • Review appraisal to ensure value of collateral is sufficiently documented and appraiser has correctly completed forms.
  • Assist in making decision to either deny loan or, depending on the loan’s attributes, approve loan or make recommendation to approve loan.
  • Review underwriting decision, reasoning (logic), and conditions or counteroffer with appropriate parties.
  • Keep current on regulations and policies and guidelines and on changes of agencies.
  • Assume additional duties as they arise, cross-train within the department, and be responsive to the department

Requirements

  • 5 years mortgage loan experience with a minimum of 3 years underwriting experience.
  • Thorough knowledge of reviewing Residential appraisals
  • Through understanding of mortgage loan processing functions, including conventional lending.
  • In-depth knowledge of mortgage related requirements, procedures, & underwriting criteria.
  • Excellent verbal and written communication skills.
  • Strong interpersonal and organizational skills.
  • PC Skills, including loan software, Outlook and Microsoft Office.
  • Thorough knowledge of FNMA underwriting guidelines and Desktop Underwriter
  • Ability to prioritize and meet deadlines.
  • Requires successful registration with, and issuance of a unique identification number from, the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act).

Benefits

Work Culture & Benefits

  • Medical, Dental and Vision and Life Insurance
  • 401(k) Savings Plan with Full Employer Match Up to 6%
  • 3 Weeks PTO + 5 Sick days + your Birthday!
  • Flexible Spending Accounts for Health & Dependent Care Expenses
  • Generous Incentive/Bonus Plan
  • Wellness/Gym Membership Reimbursement
  • Collaborative & Dynamic Co-workers
  • Innovative & Relevant Technology Resources
  • Career Planning