Position Summary:
The Underwriter reviews documentation, including 1003, credit reports, income and assets, and property documentation in accordance to agency, non-agency, delegated and non-delegated underwriting guidelines. The Underwriter will make the final loan decision on delegated loans. They will review specific guidelines to ensure that each loan risk is properly managed on a loan-by-loan basis.
Duties & Responsibilities:
- Underwrite loan files to agency, non-agency, delegated and non-delegated guidelines
- Review credit report, applications, etc. to ensure that each loan meets company standard
- Evaluate income documentation to determine acceptable risk of an applicant based on analysis of W2’s, pay stubs, personal and business tax returns
- Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation
- Ensure that the validation of AUS information is accurate
- Communicate with Underwriting Manager to advise of any sales processing issues
- Maintain excellent customer service skills, enhancing the customer service experience with all internal and external customers
Qualifications
- Proficiency with Encompass is a MUST
- ‘Front-line’ underwriting experience past 5 years
- Proficient in Conventional/Agency guidelines. Jumbo and Government knowledge is a plus
Job Type
Full-Time
Benefits Offered
401(k), Medical, Life, Dental, Vision
