Residential Mortgage Underwriting Specialist
2 weeks ago
Position: Residential Mortgage Underwriting Specialist
Key Responsibilities:
- Evaluate and underwrite a variety of residential mortgage loans secured by real estate.
- Contribute to operational strategies, performance metrics, and benchmarks to achieve departmental goals.
- Act as a knowledgeable resource in residential mortgage underwriting, particularly in relation to agency guidelines (Fannie Mae, Freddie Mac).
- Manage complex loan scenarios with specific investor guidelines and stay informed on industry trends in loan underwriting and home equity lending.
- Review, analyze, and audit intricate residential loan transactions to ensure data accuracy, regulatory compliance, and adherence to document requirements.
- Conduct cash flow assessments to evaluate the financial status of borrowers, including analysis of financial statements and credit reports.
- Employ both manual and automated underwriting methods to establish suitable conditions and loan decisions in line with investor specifications.
- Examine property appraisals to confirm compliance with all investor documentation standards.
- Maintain compliance with all applicable state and federal regulations governing mortgage credit underwriting, serving as a final check for loan guideline adherence.
- Authorize loans within established lending limits, review secondary market loan denials, and escalate cases exceeding authority for further evaluation.
- Provide insights for the creation and modification of departmental procedures related to the processing of residential loans.
- Underwrite both Conventional (conforming and jumbo) loans.
- Work effectively within an Automated Underwriting System environment.
- Utilize an Encompass-based lending platform.
Qualifications:
- Experience in underwriting residential mortgages for the secondary market.
- Proficiency in underwriting various loan types for secondary market sales and portfolio management.
- Ability to assess residential mortgage and home equity lending applications.
- Skilled in resolving title and underwriting challenges.
- Capable of analyzing complex data and technical issues to reach sound conclusions.
- Familiarity with PC software applications, including Microsoft Word and Excel.
- Experience with Automated Underwriting Systems.
- Knowledge of the Encompass Loan Origination System.
- Understanding of mortgage and home equity loan products, pricing, tax implications, and regulatory standards.
- Strong mathematical skills to support cash flow evaluations.
- Knowledge of FCRA, ECOA, and other relevant federal and state credit extension regulations.
- Experience in underwriting salable residential mortgage and home equity loans.
- A minimum of 3-5 years of underwriting experience.
Preferred Skills:
- Familiarity with FHA and VA loan programs.
- Support the expansion of business initiatives for originating and selling first mortgage loans in the secondary market.
- Assist senior management in developing a thriving residential lending operation.
- Demonstrate strong negotiation skills and sound judgment in resolving underwriting and title issues.
- Contribute to the establishment of effective real estate loan processing procedures.
- Guide and assist in the training and development of processing staff as needed.
- Collaborate effectively with applicants, loan officers, and appraisal/title vendors to address underwriting concerns.
- Communicate efficiently with senior management, internal teams, and external clients.
- A bachelor’s degree from an accredited institution is preferred.
About Sage Home Loans Corporation:
Sage Home Loans Corporation is a pioneering digital mortgage lender dedicated to transforming the mortgage origination process. By leveraging innovative technology solutions, we aim to create seamless and user-friendly customer experiences that simplify the mortgage application journey. Our fully digital online application allows users to complete their applications and explore suitable mortgage options at any time. We complement this digital experience with exceptional service from our expert Loan Officers, ensuring the best possible experience for our borrowers.
-
Mortgage Underwriting Specialist
2 weeks ago
Knoxville, Tennessee, United States Apex Bank Full timeMortgage Underwriting Specialist Position at Apex BankThe Mortgage Underwriting Specialist is essential in validating that clients fulfill all criteria during the mortgage application journey. This role encompasses the entire process, from collecting necessary information to completing documentation and approving the mortgage agreements. Key responsibilities...
-
Mortgage Loan Originator
3 days ago
Knoxville, Tennessee, United States Fifth Third Full timeUnlock Your Potential in BankingWe're seeking a highly skilled and motivated individual to join our team as a Mortgage Loan Originator. As a key member of our residential lending team, you will be responsible for originating and processing residential mortgage loans from application to closing.Key Responsibilities:Develop and maintain relationships with real...
-
Bilingual Loan Officer for Hispanic Community
2 weeks ago
Knoxville, Tennessee, United States Mortgage Investors Group Full timePosition OverviewJob Title: Bilingual Loan OfficerCompany: Mortgage Investors GroupRole Summary: We are looking for a dedicated and experienced bilingual loan officer who is passionate about making a significant impact within the Hispanic community.Key Responsibilities:Utilize bilingual capabilities to effectively assist Hispanic clients throughout the...
-
Mortgage Closing Specialist
7 days ago
Knoxville, Tennessee, United States Sage Home Loans Corporation Full timeJob OverviewSage Home Loans Corporation is seeking a Mortgage Closing Specialist to enhance their growing Mortgage division. This position is vital in managing the closing and funding processes efficiently.Key Responsibilities:Oversee a portfolio of mortgage loans with accuracyAddress post-closing challenges swiftlyDeliver outstanding customer service and...
-
Mortgage Loan Specialist
7 days ago
Knoxville, Tennessee, United States Sage Home Loans Corporation Full timeJob OverviewSage Home Loans Corporation is seeking a skilled Mortgage Loan Specialist to join their team. This role plays a critical part in the closing and funding procedures, ensuring seamless transactions and exceptional customer satisfaction.Key Responsibilities:Manage a pipeline of mortgage loans with precision, ensuring timely and accurate...
-
Mortgage Loan Specialist
2 weeks ago
Knoxville, Tennessee, United States UT Federal Credit Union Full timeJob OverviewPosition: Mortgage Processor/Closer/FunderLocation: Corporate HeadquartersSUMMARY: The Mortgage Loan Processor is responsible for managing the processing and related tasks of mortgage applications. This role includes delivering exceptional member services, handling loan applications, ensuring adherence to regulatory standards, and supervising...
-
Mortgage Loan Specialist
2 weeks ago
Knoxville, Tennessee, United States UT Federal Credit Union Full timeJob Title: Mortgage Processor/ Closer/ FunderCompany: UT Federal Credit UnionLocation: Corporate HeadquartersPosition Overview: The Mortgage Loan Processor plays a vital role in the efficient management of mortgage applications, acting as the main liaison for internal teams and ensuring seamless workflow while delivering outstanding service to members.KEY...
-
Mortgage Loan Specialist
2 weeks ago
Knoxville, Tennessee, United States UT Federal Credit Union Full timeJob Title: Mortgage Processor/ Closer/ FunderCompany: UT Federal Credit UnionLocation: UTFCU Corporate Headquarters (Not Remote)Position Overview: The Mortgage Loan Processor plays a vital role in the management of mortgage applications, acting as the key liaison for internal teams while ensuring top-notch service for members.KEY...
-
Residential Construction Specialists
2 weeks ago
Knoxville, Tennessee, United States Peloton Construction LLC Full timeJob OverviewPeloton Construction LLC is seeking dedicated Residential Construction Specialists to enhance our dynamic team. We are committed to fostering a workplace where individuals can thrive and develop their careers in the construction industry.Key QualificationsThe ideal candidate will possess:Experience: A minimum of 10 years in residential...
-
Loan Specialist
2 weeks ago
Knoxville, Tennessee, United States First National Bank Full timeJob OverviewWe are seeking a knowledgeable and meticulous Loan Specialist to enhance our financial services team. In this role, you will serve as a crucial intermediary between loan applicants and our banking institution, facilitating the process for qualified individuals to secure financing and establish repayment strategies.The successful candidate will...
-
Virtual Sales Representative
3 days ago
Knoxville, Tennessee, United States Spieldenner Financial Group Full timeAbout the RoleSpieldenner Financial Group is seeking a highly motivated and coachable individual to join our team as a Virtual Sales Representative. As a key member of our organization, you will play a crucial role in helping us revolutionize the Mortgage Protection Industry.Key Responsibilities:Client Outreach: Establish relationships with potential clients...
-
Business Development Specialist
5 days ago
Knoxville, Tennessee, United States First Volunteer Full timeJob Description**Primary Responsibilities**The Business Development Specialist works closely with retail bank leaders in serving as a small business adviser. To this end, the Business Development Specialist is required to understand and communicate appropriate structure, terms, and conditions to the business owner. In addition, the Business Development...
-
Customer Support Specialist
1 week ago
Knoxville, Tennessee, United States RemX Full timeJob OverviewWe are seeking to hire a dedicated individual for an entry-level role within our Customer Support team. This position involves managing payments to Insurance Providers for escrow transactions related to mortgages. Candidates who possess a calm and composed demeanor on calls, alongside strong English communication skills and relevant experience,...
-
Client Support Specialist
2 weeks ago
Knoxville, Tennessee, United States RemX Full timeJob OverviewRemX is collaborating with a client in Knoxville to find dedicated Customer Service Representatives for both full-time and part-time positions. This role is ideal for educators seeking summer employment, college students returning home, or retirees looking for engagement.This position requires onsite presence. The contract duration is anticipated...
-
Experienced Window Installation Specialist
2 days ago
Knoxville, Tennessee, United States Renewal by Andersen Metro & Midwest Full timeJob Summary:We are seeking a highly skilled and experienced Window Installation Specialist to join our team at Renewal by Andersen Metro & Midwest. As a key member of our installation crew, you will be responsible for installing high-quality windows and doors in residential settings.Responsibilities:Install windows and doors in residential settings, ensuring...
-
Internet Sales Specialist
5 days ago
Knoxville, Tennessee, United States D.R. Horton Full timeAbout D.R. HortonD.R. Horton, Inc. is a leading homebuilder in the United States, founded in 1978 and publicly traded on the New York Stock Exchange. The company is engaged in the construction and sale of high-quality homes designed for entry-level and first-time move-up markets. In addition to homebuilding, D.R. Horton provides mortgage financing and title...
-
Loan Funding Expert
1 week ago
Knoxville, Tennessee, United States Sage Home Loans Corporation Full timeJob OverviewSage Home Loans Corporation is seeking a highly skilled Mortgage Closing Specialist to join their team. This role plays a critical part in the closing and funding procedures, ensuring seamless transactions and exceptional customer satisfaction.Key Responsibilities:Manage a pipeline of mortgage loans with precision, ensuring timely and accurate...
-
Client Relations Specialist
2 weeks ago
Knoxville, Tennessee, United States Ryan Nichols - State Farm Agent Full timePosition OverviewAre you a personable individual who thrives on customer engagement? If this resonates with you, a role as a Client Relations Specialist on a State Farm independent contractor agent team could be an excellent opportunity. State Farm agents focus on promoting a range of insurance and financial services products.Key Responsibilities:Develop and...
-
Referral Screening Specialist
3 days ago
Knoxville, Tennessee, United States DCI Donor Services Full timeJob SummaryDCI Donor Services is seeking a highly skilled Referral Screening Specialist to join our team. As a key member of our organization, you will play a critical role in the donation process, ensuring that potential donors are thoroughly evaluated and screened for suitability.Key ResponsibilitiesFacilitate the Donation Process: Coordinate and...
-
Procurement Specialist
2 weeks ago
Knoxville, Tennessee, United States Broadstreet Homes Inc Full timePosition OverviewAre you seeking a rewarding career that moves beyond the ordinary corporate environment? Join us at Broadstreet Homes Inc, where we prioritize a supportive and engaging workplace.Role of Procurement SpecialistAs we expand our operations, we are in search of a dedicated Procurement Specialist to enhance our team. This role is vital in...