Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Clear conditions including but not limited to credit and title conditions
• Prep loan files for review by an Underwriter to determine eligibility within HomeXpress guidelines
• Assisting Underwriters as needed to move pipeline in a forward trajectory
• Verify completeness of credit file
• Calculate income
• Confirm qualified Change of Circumstances and reprice loans as needed
• Run reports and interact with various third-party vendors

Job Functions:

• Capable of underwriting a minimum of 3-4 new loans per day.
• Review conditions in a timely manner to remain in compliance with posted turn times.
• Analyze all areas of the mortgage loan application; including credit income assets collateral and compliance documents to ensure loan meets company investor and regulatory guidelines.
• Review Income documentation and calculate income per investor and company guidelines.
• Review Assets to determine reserves and cash to close per investor and company guidelines.

Required Knowledge:

• Conforming and Non-QM Underwriting Guidelines
• Strong verbal & written communications skills
• Strong problem solving skills
• Excellent interpersonal customer service and organizational skills
• High level math aptitude
• Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced sometimes stressful environment.
• Knowledge of Conventional loan products underwriting procedures creditor financial analysis techniques investor requirements and escrow/title practices as well as regulatory compliance laws as they apply to mortgage transactions.
• Superior knowledge of personal computers and applicable software.

Job Type: Full-time

Pay: $70000.00 - $80000.00 per year

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Experience:

• Non-QM: 2 years (Required)
• Underwriting: 2 years (Required)

Work Location: In person

Additional Information :

All your information will be kept confidential according to EEO guidelines.

Remote Work :

Yes

Employment Type :

Full-time

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