DE -Consumer Loan Underwriter 3

Description Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products 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; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager.

Requirements * Minimum Qualifications:
4+ years experience underwriting home mortgage loans.
Recent experience underwriting FHA loans 1+ years.
Must have DE/CHUMS ID.
Strong communication/organizational skills.
Ability to work in a production environment.
Must be able to work OT as needed.
Proven ability to think outside box when decisioning loans.