Clayton offers competitive pay and a benefit package to
include medical, dental, vision and 401k retirement plan. MUST BE LOCAL TO TAMPA BAY AREA
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.