Government Underwriter

7 days ago

Costa Mesa, California, United States JMAC Lending Full time
The Opportunity

We are seeking a skilled Government Underwriter to join our team at JMAC Lending. As a key member of our underwriting team, you will be responsible for reviewing and evaluating information on mortgage loan documents to determine if the borrower, property, and transaction meet our guidelines.

With over $20 billion in mortgage loans funded, we are a leading provider of innovative products and exceptional service. Our underwriters are critical to our success, and we are looking for someone who can work independently or as part of a team to render decisions within our company guidelines.

Key Responsibilities
  • Review credit documents in accordance with JMAC, FHA, and VA guidelines.
  • Review borrower's income and assets in accordance with JMAC, FHA, and VA guidelines.
  • Review subject property title and appraisal in accordance with JMAC, FHA, and VA guidelines.
  • Make loan decisions independently (Approve or Decline).
  • Sign off on conditions.
  • Verify the consistency of information throughout the file.
  • Utilize FHA Connection, FHA EAD, VA VIP/WebLGY, and GUS to complete, correct, or verify the validity of required forms.
  • Complete assigned files within established turn times.
  • Maintain communication and customer service with file contacts throughout the loan process.
Requirements
  • Minimum 2 or more years of recent experience as a DE and SAR Underwriter.
  • Minimum 2 or more years of recent experience in FHA and VA.
  • Comprehensive understanding and knowledge of current FHA and VA guidelines.
  • Basic knowledge of federal and state laws pertaining to the mortgage-banking industry (TRID, ECOA, Fair Lending, etc.).
  • DU/LP/TOTAL Scorecard knowledge required.
  • Strong communication skills and ability to effectively interact with brokers.
Benefits
  • Health Care Plan (Medical, Dental & Vision)
  • Life Insurance (Basic, Voluntary & AD&D)
  • Paid Time Off (Vacation & Holidays)
  • Retirement Plan (401k)
  • Short Term & Long Term Disability
  • Family Leave
  • Wellness Resources

About JMAC Lending: JMAC Lending has been in business for over 20 years, providing innovative products and exceptional service to our clients. We are committed to workforce diversity and are an Equal Employment Employer. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity, or national origin.

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