100% WORK FROM HOME
This Jobot Job is hosted by: Angela Trudeau
Are you a fit? Easy Apply now by clicking the "Apply on company site" button and sending us your resume.
Salary: $75,000 - $100,000A bit about us:
Our team has been in business for two decades. Servicing clients nationwide offering a variety of consumer loan products. We exceed the expectations of our residential mortgage borrowers & business partners through superior service, simple processes, and effective communications. Our success has us in growth mode. Come join a winning team!Why join us?
Full medical, dental and vision
Lucrative base pay
Work from home
401k with match
Training and licensingJob Details
The main focus of this role is to perform underwriting of conventional and /or FHA/VA mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet underwriting guidelines
Must have 5+ years of experience underwriting conventional and /or FHA/VA
Approves or rejects residential loans within prescribed authority
Analyzes borrower’s credit profile, collateral and capacity to repay the proposed mortgage obligation
Ensures loans meet agency and government guidelines
Accurately calculates borrower’s income and debt-to-income ratios based on acceptable agency practices
Documents lending decisions and completes required screens in the loan origination system that include accurate completion of the 1008 as well as adding and/or creating applicable conditions on the loan approval
Run, reads and interprets automated underwriting decision results from both Desktop Underwriter and Loan Prospector
Reviews conditions submitted on loans and sign off on conditions where appropriate
Keeps informed of current and acceptable underwriting practices
Communicates loans decisions to clients/internal departments in a timely fashion and ensures compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers.
Works closely with processing and/or account management to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems
Maintains and cultivates an effective working relationship with internal and external customers
Prioritizes work queue to ensure service level agreements are met
Consistently meets or exceeds established minimum productivity and quality goals
Provides quality control responses in a timely manner
Acts as a role model of the company’s values, acting in an ethical and professional manner at all times
Interested in hearing more? Easy Apply now by clicking the "Apply on company site" button.