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Mortgage Underwriter

Mortgage Underwriter

Job Description

Clayton offers competitive pay and a benefit package to
include medical, dental, vision and 401k retirement plan.


The successful candidate must have thorough understanding of
underwriting policies and procedures including knowledge of FNMA/FMLMC
guidelines and standards. Adhere to all client/lender policies and procedures,
in addition to Federal, State, and/or municipal laws and regulations. Actively
supports the decisions and knowledge of supervisors and colleagues by sharing
information about the department, business unit, organization and the
underwriting industry. Takes an active role in identifying potential challenges
within the underwriting process and/or department and makes recommendations for
changes to improve.

The Underwriter's primary responsibilities include:

Reviewing loan files for completeness and accuracy.
Analyzing credit documents, including, but not limited to, mortgage
applications, credit history and income documents, title documents, appraisals
and all applicable compliance documents. Evaluate debt ratio, loan-to-value
ratios, credit score, property valuation and various other factors. Manual
Frontline Underwriting Conventional/Conforming loan products. Determining and
documenting loan conditions and communicating requirements and/or decisions.
Identifies portfolio risks resulting from the client's underlying business
practices, underwriting, and/or fraud exposure. Maintains knowledge of all
applicable underwriting guidelines by completing all underwriter training
programs, learning any business unit policy and/or guidelines.

Job Requirements

  • 3+ years of experience in the residential mortgage industry
  • Knowledge and familiarity with current mortgage andcompliance laws and regulations
  • High producer with attention to quality
  • Strong commitment to customer service and satisfaction
  • Excellent time management skills
  • Effective leadership skills
  • Team player & Ability to Multi -Task

Job Snapshot

Employment Type Full-Time
Job Type Banking, Other, Professional Services
Education Not Specified
Experience Not Specified
Manages Others Not Specified
Relocation No
Industry Banking - Financial Services, Mortgage, Other Great Industries
Required Travel Not Specified
Job ID 196BR
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Mortgage Underwriter

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