Mortgage Underwriter III

1 day ago

Birmingham, Alabama, United States Guild Mortgage Full time
Job Summary

Guild Mortgage Company is seeking a highly skilled Mortgage Underwriter III to join our team. As a key member of our underwriting team, you will be responsible for reviewing and evaluating loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and local regulations.

Key Responsibilities
  • Review and analyze loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and local regulations.
  • Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.
  • Review appraisals to ensure that loans meet secondary market, investor, and company standards.
  • Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.
  • Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.
  • Provide options and recommendations to borrowers regarding suitable loan programs.
  • Stay abreast of current regulations and industry trends that affect compliance and decision-making.
  • Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).
  • Use expertise to answer questions and resolve escalated issues from junior-level teammates.
Requirements
  • High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred.
  • Five or more years underwriting conventional, FHA, VA, or Bond Program loans, and/or five or more years' experience underwriting jumbo, or permanent/one-time close loans.
  • Direct Endorsement (DE) certification required; must have current certification(s) for any assigned region with state-specific requirements to originate/supervise loans, along with endorsements including Direct, VA, Auto and SAR.
  • Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing.
  • Expert-level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.).
  • Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls.
  • Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks.
  • Ability to prioritize multiple tasks in a deadline-driven environment, strong sense of urgency and responsiveness.
  • Intermediate math skills.
  • Strong verbal and written communication skills.
  • Strong detail orientation and highly organized.
Working Conditions

This position is primarily sedentary; occasionally walks and/or stands. Frequent use of computer keyboard and mouse. Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media. Office environment - no substantial exposure to adverse environmental conditions.

Benefits

Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match. Guild Mortgage Company is an Equal Opportunity Employer. This position offers eligibility for incentive compensation. Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.

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