Underwriter / Sr. Underwriter

Job Description:

Permanent WFO

5 days working

Rotational Shifts (Candidates need to be comfortable to work in night shifts)

Both way transport would be provided

Essential Job Functions: 

• Review and verify loan applications and support documentation. 
• Analyze loan risk and request additional information, as necessary.  
• Ensure compliance with regulatory standards. 
• Ensure compliance with company policies and guidelines.  
• Perform required analysis of property appraisal to ensure subject properties meet the company’s appraisal criteria. 
• Determine and document loan conditions, communicate requirements, and/or decisions. 
• Identify portfolio risks resulting from the client's underlying business practices. 
• Document and effectively communicate reasons for the approval/rejection of loans. 
• Effectively partner with Loan Set Up, Compliance Reviewers, Funders, Client Relationship Manager, and other operations staff to ensure smooth and efficient processing of all loans in the pipeline. 
• Such other activities as may be assigned by your manager. 

 Qualifications/ Requirements: 

• 3+ years of recent US mortgage front-line underwriting experience
• Experience with compliance review/ Disclosures Preparation/ Closing/ Doc Preparation and/or due diligence (post-close) experience in the residential mortgage industry 
• Demonstrated understanding of mortgage guidelines and policies for VA, FHA, FNMA, FHLMC & USDA  
• Experience analyzing and calculating qualifying income from various tax documents
• Experience analyzing of credit reports and bank statements calculation of qualifying income from various tax documents,  
• Experience with both AUS and manual underwriting methods including DU and LP. 
• Working knowledge of running and reviewing third party loan-level Fraud Reports (Fraud Guard, Fraud Manager or DRIVE) and experience of working on Non-QM loans would be preferred.  
• High producer with attention to quality 
• Strong commitment to customer service and satisfaction with superior verbal and written communication skills 
• Must be able to work under pressure and meet deadlines, while maintaining a positive attitude