Credit Underwriting Analyst

2 weeks ago


San Francisco, California, United States quickrecruit Full time
Job Overview

As a Mortgage Risk Assessor, you will play a crucial role in evaluating loan applications to ensure adherence to established standards and guidelines. Your expertise will help maintain the integrity of our loan products and support the overall success of our lending operations.

Key Responsibilities
  • Conduct comprehensive reviews of loan documentation to verify compliance with internal policies and external regulations.
  • Assess the complete credit profile and collateral for residential mortgage applications, ensuring high-quality loan offerings.
  • Ensure accuracy in calculations and maintain data integrity throughout the underwriting process.
Additional Duties
  • Complete all necessary underwriting documentation and assist in onboarding new team members.
  • Provide recommendations on loan decisions to the underwriting manager for amounts exceeding personal authority limits.
  • Adhere to productivity standards, ensuring timely underwriting decisions within the designated turnaround times.
  • Communicate loan decisions effectively to relevant stakeholders, both verbally and in writing.
  • Maintain accurate records of underwriting activities and prepare monthly reports for management review.
  • Serve as a resource for processors and correspondents regarding guideline interpretations and specific loan inquiries.
  • Respond promptly to post-closing audits and reviews, ensuring compliance and addressing any issues that arise.
Qualifications
  • A minimum of three years of experience in mortgage underwriting, with a solid understanding of relevant guidelines.
  • Familiarity with private investor and mortgage insurance requirements.
  • Exceptional interpersonal and communication skills, fostering strong business relationships.
  • Detail-oriented with excellent organizational abilities and follow-through.
  • Strong analytical skills, complemented by effective written and verbal communication capabilities.

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