The Conventional Underwriter’s primary responsibility is to have a complete working knowledge of agency, non-agency guidelines as well as company guidelines and procedures required to complete a review of specific mortgage transactions and provide dispositions on each loan according to the guidelines. The underwriter is expected to provide a high level of customer service to internal company employees to resolve issues and concerns related to mortgage transactions. The position reports to the AVP/Underwriting.
TASKS:

• Remain current on all company policies.
• Remain current on all agency and investor’s guidelines.
• Remain current on federal and state regulations related to mortgage lending.
• Assess and analyze loan transactions/files and qualify based on product prescribed guidelines.
• Review credit reports, employment verifications, paystubs, tax returns, bank statements, divorce decrees, and any other personal documents related to credit, income and assets.
• Review collateral related documentation such as appraisals, title commitments, sales contracts, flood zone certificates and other real estate related documents.
• Validate the authenticity and integrity of documents provided.
• Communicate loan decisions.
• Underwrite and submit mortgage loan files to investors, clear conditions and clear post purchase conditions.
• Perform other tasks and projects as needed.
• Meet Underwriting metrics, including customer service levels, quality of loans and expected turn-times.
• Duties as set forth in the company’s policies and procedures.
• Risk management accountability
Salary level to 90k plus incentives