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Mortgage Compliance Underwriter

2 months ago

Houston, Texas, United States CU ALLIANCE, LLC Full time
Job Description

We are seeking a detail-oriented Underwriter to join our team at CU Alliance, LLC. The Underwriter will be responsible for evaluating and determining the creditworthiness of loan applications, ensuring compliance with company policies and industry regulations.

Key Responsibilities:

Underwriting:

  • Ensure that the origination and processing of the loan have been done correctly, and according to investor and company guidelines to enable the loan to move to closing/funding
  • Review of specific loan scenarios/opinions with production staff adhering to GSE product descriptions and/or overlay requirements
  • Review loan documents with income calculations and have thorough knowledge of complex personal and/or business financials.
  • Analyze loan documentation such as credit reports, verifications of employment, pay stubs, and verifications of deposits, tax returns, bank statements, appraisals, and all other supporting documentation provided
  • Examine mitigation factors to ensure that the collateral has sufficient market value to secure the loan

Compliance, Auditing & Reporting:

  • Review a sampling of real estate loans monthly for regulatory compliance
  • Creating and Maintaining Policies & Procedures
  • Review Fair Credit Reporting Act procedures for compliance and accuracy as pertains to Real Estate Loans.
  • Review forms and disclosures for real estate loans for accuracy and compliance.
  • Periodic review of disclosures, ARMS, and applications
  • Conduct or assist with Fair Lending Reviews on real estate loans.
  • Calculate figures and amounts, such as discounts, interest, APR, commissions, proportions, and percentages such as debt-to-income ratios to ensure CU Alliance, LLC stays in compliance;
  • Complete regulatory reporting.
  • Review sampling of Adverse Action for all real estate secured loans monthly;
  • Review systems for compliance and correct codes, document control and/or stated parameters;
  • Prepare reports for reviews that will establish patterns and violations
  • Review sampling of HMDA-LAR data in conjunction with loan review and prepare HMDA reports.
  • Assist with training of staff as needed and regularly review training material for adherence to compliance regulations.
  • Answer day to day questions from production department as it relates to real estate secured loans and act as a resource for researching issues, new regulatory requirements, distribution of updates, etc.
  • Review company policies and procedures for completeness and compliance.
  • Adjusting loan programs based on market, regulatory or CU Alliance, LLC changes.
  • Work with management on maintaining the proper insurance for the company, as well as manage HEAT cases and ongoing risk management.
  • Vendor review with management for new vendors.
  • Perform related duties as required

Qualifications:

  • Strong underwriting skills, including data collection and risk analysis
  • Proficiency in financial concepts, cash flow analysis, and financial modeling
  • Experience in regulatory reporting and compliance
  • Knowledge of financial services and credit analysis
  • Ability to conduct equity research and negotiate effectively
  • Familiarity with financial software and quantitative research techniques