100% remote position!!!

Underwrites residential loans ensuring compliance with appropriate company, secondary market investor standards and all applicable laws. The Underwriter will be responsible for examining conventional loan documentation for accuracy and completeness. Must be able to underwrite loans within the company and industry guidelines. The Underwriter will also be working with the sales and operations teams to secure all required documents.

Responsibilities:
- Underwrites Conventional to verify for completeness, accuracy, and compliance
- Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans
- Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision
- Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, asset documentation, credit reports, preliminary title report, judgments, bankruptcy documents and appraisals
- Analyzes and calculates income documentation such as personal and business income tax returns and ensures all necessary documentation is requested to support final loan decisions
- Exercises good judgment, conducts reasonableness tests and issues quality decisions
- Determines accuracy and completeness of files; ensures processes are consistent
- Demonstrates proficiency in automated underwriting systems (DU, LP)
- Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity
- Maintains pre-established service level standard of decisions within a service level time frame set by the company
- Communicates regularly with sales team, processors, closers and management
- Assists in the preparation of repurchase responses and/or rebuttal reviews
- Ability to function in an ever-changing environment and work across all business channels in Underwriting (Retail/CC/Wholesale) as needed

Working hours: 8:00 AM - 5:00 PM