![FLAT BRANCH MORTGAGE INC](https://media.trabajo.org/img/noimg.jpg)
Underwriter
1 month ago
A Mortgage Underwriter is responsible for ensuring both the credit worthiness and compliance of a potential borrower. The underwriter must ensure the borrower has both an acceptable credit history and the capacity to repay the loan per the proposed terms. The underwriter must also ensure the property represents acceptable collateral for the proposed loan terms. Further, the underwriter is charged with reviewing all aspects of the loan for compliance with the myriad of overlapping guidelines and regulations imposed by HUD, FNMA, FHLMC, FHA, VA, USDA, secondary investors, mortgage insurance providers and internal program overlays.
The underwriter must also be able to assist other Flat Branch Home Loans departments with the entire loan process from pre-application through shipping and final purchase/delivery of the closed loan by the agencies. This is a full-time remote position, but only candidates located in the United States will be considered.
Requirements
Responsibilities
:
Decision ready file is logged into underwriting by the Disclosure Desk.
-File may not be 100% complete but should contain sufficient information and documentation to enable a credit decision to be render.
The Underwriter pulls the file and reviews the application and supporting documentation and makes an initial underwriting decision based on the preliminary data provided.
The Underwriter completes a Notice of Loan Action on the file and returns it to the Loan Coordinator.
-The Notice of Action will dictate the next steps…
-- If the loan is denied at this stage or any stage in the process, it is returned to the Loan Coordinator and forwarded to the Senior Underwriter (or Operations Manager– if Senior Underwriter made the initial decision) for a second review, if required.
-- If the loan is approved or suspended…
The Underwriter returns the approved or suspended file to the Loan Coordinator with a list of outstanding conditions and/or requirements to be completed for final loan approval.
Once the Loan Coordinator (and / or FBMS Partner) has satisfied all the requirements of the initial Notice of Loan Action, the file is once again logged into underwriting by the Loan Coordinator.
The Underwriter pulls the resubmitted file, reviews the conditions and any possible changes, and then renders a final decision based on the complete file. Provided all the conditions have been satisfied, the Underwriter will indicate the final approval by marking the file as “Clear to Close” and include any additional required instructions for closing and/or post-closing. The file is then returned to the Loan Coordinator, and the Mortgage Loan Closer is notified the file has been cleared to close.
Additional Underwriter involvement may include:
Consultation with the Loan Coordinator throughout the loan process, both before a file is initially submitted, and prior to the final submission for “Clear to Close”
Consultation with the Mortgage Loan Closer after the file is submitted to closing.
Consultation with the Loan Shipper prior to submission of the closed loan package to the Secondary Market Investor.
Consultation with the Secondary Market Investor prior to purchase of the closed loan.
Assistance with the post-closing Quality Control Review process.
Qualifications & Skills
:
Minimum of 1 year mortgage underwriting experience required
DE and SAR designation recommended
Knowledge of industry guidelines and regulations
Proficient in basic computer technologies, appropriate for a paperless environment
Adaptable to change and shifts in priority
High attention to detail and ability to manage time effectively
Knowledge of Encompass LOS recommended but not a requirement
Prolonged periods sitting at a desk and working on a computer
#J-18808-Ljbffr
-
Underwriter
4 days ago
Virginia Beach, United States Priority Title & Escrow Full timeJob DescriptionJob DescriptionDescription:Role DescriptionTitle Underwriters are responsible for evaluating title searches and preparing title commitments as well as other related title documents in accordance with local state and underwriter guidelines and regulations. The candidate should be able to manage a high volume of work and maintain a positive...
-
Sr. Mortgage Loan Underwriter/Team Lead
1 month ago
Virginia, United States Texana Bank Full timeAll Jobs > Sr. Mortgage Loan Underwriter/Team Lead JOB SUMMARY: A Senior Mortgage Underwriter is responsible for evaluating the eligibility of an applicant for loan application processing. Senior Underwriters verify the applicant's information, including their credit score and other valid documents, ensuring that the applicant fulfills the loan application's...
-
Senior Underwriter
1 month ago
Virginia, United States Crum and Forster Full timeSenior Underwriter - Seneca Custom Property Philadelphia Profit Center Responsibilities: Has responsibility for risk selection / rejection, pricing, retention, growth and profitability per objective (New Business & Renewals) Analyzes coverage and limit requests and decides what terms to offer. Prices business in accordance with company guidelines. Uses...
-
Senior Loan Processor
1 month ago
Virginia, United States WizeHire Full timeAre you a successful senior loan processor with excellent communication skills, a keen eye for detail, and a white-glove service approach to closing mortgages? Our mortgage team has a recipe for success that will help bring your skills and talents to the next level. If you are looking for an opportunity for growth with a tight-knit group of mortgage...
-
Senior Mortgage Loan Originator Louisiana Region
1 month ago
Virginia, United States Keesler Federal Credit Union Full timeJob Category : Mortgages Requisition Number : SRMOR003516 Position : Senior Mortgage Loan Originator Department : Mortgage Loans Reports to : Mortgage Sales Manager FLSA : Non-Exempt Summary The Senior Mortgage Loan Originator (LO) proactively solicits new residential mortgage business and markets Keesler Federal Credit Union mortgage products to meet...
-
Associate Mortgage Loan Originator
1 month ago
Virginia, United States Linscomb & Williams Full timeUnder general supervision, the associate mortgage loan officer is responsible for originating new mortgage loan business for the bank by working with Realtors, Builders, past clients and other referral partners under the mentorship of the Mortgage Loan Officer. How You Will Make An Impact Solicit business from potential and existing customers (outside and...
-
Associate Mortgage Loan Originator
2 weeks ago
Virginia, United States Linscomb & Williams Full timeMemphis TN Poplar Avenue 6363 Poplar Ave Memphis, TN 38119, USA Under general supervision, the associate mortgage loan officer is responsible for originating new mortgage loan business for the bank by working with Realtors, Builders, past clients and other referral partners under the mentorship of the Mortgage Loan Officer. How You Will Make An...
-
Risk Management Analyst
2 weeks ago
Virginia, United States Elevance Health Full timeRisk Management Analyst Location: Richmond, VA Elevance Health operates in a Hybrid Workforce Strategy, providing various levels of flexibility while also ensuring that associates have opportunities to connect in-person. Unless in a designated virtual-eligible role and specified as primarily virtual by the hiring manager, associates are required to work at...
-
Virginia, United States Sage Home Loans Corporation Full timeUnited States; Remote Sage Home Loans Corporation is seeking a Senior Mortgage Loan Processor to join our rapidly growing Mortgage business. Sage provides an unparalleled digital experience combined with human interaction to make a seamless and easy mortgage loan process for our customers. In this role, you will play an integral part in the loan process from...
-
Mortgage Loan Originator | Retail
1 month ago
Virginia, United States Southwest Funding Full timeWe are currently looking for individuals for the position of Mortgage Loan Originator. What You Need: Active NMLS license(s) 1+ Years recent experience in loan origination, funding 3+ loans per month Promote the highest professional and ethical standards Good personal management skills and an urgency to provide a great customer experience Possess a positive,...
-
Mortgage Loan Processor; BR 44/Becker; 2/23/2024
1 month ago
Virginia, United States Texana Bank Full timeMortgage Loan Processor; BR 44/Becker; 2/23/2024 JOB SUMMARY: Responsible for performing initial appraisal of potential borrowers by thoroughly examining their applications; assessing the credit standings of applicants through background research; and interviewing applicants to evaluate their eligibility for loan or mortgage. ESSENTIAL FUNCTIONS: Identify...
-
Mortgage Loan Originator
1 month ago
Virginia, United States Twin Cedars Full timeSummary Twin Cedars Bank, a leading financial institution in Central Iowa, is seeking a highly motivated and experienced Mortgage Loan Originator (MLO) to join our team. As an MLO, you will be responsible for guiding our customers through the entire mortgage loan process, from initial consultation to closing, ensuring a seamless and satisfactory experience....
-
Bilingual Collection Manager English and Spanish
2 weeks ago
Virginia Beach, United States Capital Credit LLC Full timeJob DescriptionJob DescriptionManage the entire collection process for automobile loan portfolio. Oversee a team of collections specialist, provide leadership, guidance and support to drive their success. Develop and implement effective collection strategies to minimize delinquencies and improve collection rates. Collaborate with finance, underwriting and...
-
Bilingual Collection Manager English and Spanish
3 months ago
Virginia Beach, United States Capital Credit LLC Full timeJob DescriptionJob DescriptionManage the entire collection process for automobile loan portfolio. Oversee a team of collections specialist, provide leadership, guidance and support to drive their success. Develop and implement effective collection strategies to minimize delinquencies and improve collection rates. Collaborate with finance, underwriting and...
-
Residential Mortgage Loan Originator
3 weeks ago
Virginia, United States 4 Unternehmen 1 Philosophie Full time2403-4 Residential Mortgage Loan Originator Job title: Residential Mortgage Loan Originator Department: Residential Mortgage Reports to: SVP Residential Lending & Community Development Supervises: N/A FLSA Status: Exempt Position Summary: The Mortgage Loan Originator position is primarily responsible for generating residential mortgage and development loans...
-
Insurance Loss Control Surveyor
1 month ago
Virginia, United States Davies Risk Services Full timeJob DescriptionJob DescriptionIndependent Contractors Wanted! Davies Risk Services is looking for independent contractors in the Virginia, MN area to perform insurance property inspections for our insurance carrier clients. Insurance loss control experience is preferred but not required. This is a great gig for retired insurance agents, current or...
-
Employee Benefits Account Manager
3 months ago
Virginia Beach, United States Capstone Search Group Full timeJob DescriptionJob DescriptionAbout the RoleJoin this regional insurance brokerage to help deliver on their promise of personalized service. As an Employee Benefits Account Manager you’ll put the client’s needs first by engaging directly with them and with company underwriters on health plan benefits management, network selection, claims, and vendor...
-
Loss Control Consultant
3 months ago
Virginia, United States Central Mutual Insurance Company Full timeWe are a team of employees who are passionate to deliver best in-class customer service and innovation in the industry. It's because we put Integrity, Relationships and Excellence in all aspects of our work. Our employees have the opportunity to fully utilize their talents and bring their best self. We believe that who you are is just as important as what...
-
Senior Life Insurance Company Sales Agent
3 months ago
Virginia Beach, United States Pope Insurance Group (A Security National Life Insurance Company Agency) Full timeJob DescriptionJob DescriptionThis position is for agent's that already hold a valid Life Insurance Producer's License. No Exceptions.Pope Insurance Group is seeking a licensed life insurance agent to work in the Final Expense Market with our agency. We are contracted with one of the largest Final Expense Life Insurance Brands in the country.We offer...
-
Premium Audit Specialist
4 weeks ago
Virginia, United States Penn National Insurance Full timePenn National Insurance has an incredible opportunity to join our world-class team as a Premium Audit Specialist! This is a remote position with up to 20% travel required. The ideal candidate will reside in Eastern Pennsylvania, but candidates from nearby areas will be considered. PA workers' comp experience desired. The Premium Audit Specialist is...