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Senior Underwriter RTL

1 month ago

Irvine, United States American Heritage Lending Inc Full time

American Heritage Lending, LLC

Established in 2008, the company was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success - creating a caring experience for the families we service across the nation.

Position Overview:

The Senior Underwriter is responsible for implementing underwriting policies & standard practice and managing all aspects of loan decisions. They determine the economic health of applications; review loan conditions; implement and enforce fraud detection; verify and calculate risk factors of the loan and weigh credit risk to ensure that the liability taken will result in a saleable loan. They communicate decisions to all parties and build relationships with both internal and external parties.

Essential Duties & Responsibilities include:

Reviews all RTL (Residential Transitional Lending) or Non-QM loan components in the file for completeness, accuracy and integrity while ensuring that documents are consistent and uphold the company and industry guidelines.

Examines transaction and investor manual/guidelines to ensure compliance with all investor guidelines.

Reviews and analyzes appraisals, preliminary title work, and purchase contracts.

Weighs credit risk to ensure that the liability taken on by the company will result in a saleable loan.

Implements and enforces fraud detection techniques.

Requests supplemental information as necessity dictates.

Recognizes risk factors that may compromise the overall quality of a loan file.

Executes loan decisions and review loan conditions in a timely manner – expected production level is 4 underwriting decisions per day.

Experience & Minimum Qualifications (Skills, Knowledge & Abilities):

Experience with Encompass a must.

Strong organizational skills and attention to detail.

Understand various mortgage documents.

Knowledge of RTL terminology, RTL loan calculations and file analysis. Ability to determine if submitted conditions are acceptable, and offer alternative suggestions as needed.

Working knowledge of investor underwriting and selling guidelines.

Working knowledge of income calculation methods for Non-QM loans, including but not limited to reviewing Tax Returns and any accompanying Tax Schedules, bank statement analysis and rental income.

Ability to keep up to date with new guidelines and policies.

Ability to follow written and verbal directives.

Ability to analyze large volumes of financial data.

Possess five years of mortgage banking and RTL underwriting experience.

A proven track record of processing a minimum of 3 to 5 new files per day and conditioning a minimum of 4 to 6 files per day.

Experience must include hands-on responsibility for the full scope underwriting activities, both operations and analysis.

Essential Mental & Physical Requirements:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Frequently required to sit, stand, kneel, stoop, or squat

Use hands or fingers to handle or feel objects, tools, or controls

Reach with hands and arms

Talk or hear

Specific vision ability includes close vision, distance vision, color vision, depth perception and the ability to adjust focus

Occasionally lift and/or move up to 25 pounds

Ability to analyze situations logically to identify causes and draw solid conclusions

Ability to anticipate the consequences of a situation

Ability to modify one’s own behavior to meet expectations of others

Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs

Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing

Physical Demands:

The physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Work Environment:

This job operates in an office setting and largely sedentary, requiring the routine use of a computer and other standard office equipment. The ability to lift or move up to 20 pounds, bend, reach, and perform manual tasks may also be required. Remote work is an optional setting. Work environment characteristics are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is exposed to weather condition prevalent at the time. Business travel may provide for varying degrees of change in the work environment. The noise level in work environment is usually moderate.

Job Classification:

Exempt

Work Location:

Remote

Benefits:

Medical

Dental

Vision

Matching 401(k)

Paid Time Off

Paid Holidays

Why American Heritage Lending:

We are a high-growth Company that doubled our staff in 2022

Competitive Salary

Wide Product Options - Bridge, Fix and Flip, FHA, VA, Conventional, Non-QM, DCSR, Hard Money Loans and more

We are not impacted by the volatility of the interest rate

This Company describes its culture as:

Family-Accountability-Integrity-Teamwork-Have fun along the way

Start your career today with American Heritage Lending

Note: Nothing in this job description restricts the company’s right to assign or reassign duties and responsibilities to this position at any time. Reasonable accommodations may be made in appropriate circumstances to enable individuals to perform the essential functions of the position.

This is a remote position.