Mortgage Risk Assessor

1 week ago

Denver, Colorado, United States M2 Lending Solutions Full time

Overview of the Mortgage Risk Assessor Role

M2 Lending Solutions is seeking a skilled DE-certified mortgage risk assessor with a solid track record to enhance our operations. In this role, you will apply agency and secondary market standards to deliver precise insights for exceptional client service and marketable loans. Your responsibilities will include providing detailed notes and documentation for processors to obtain additional information as necessary, employing exceptional problem-solving capabilities, and serving as the guideline authority within the organization. Your contributions will be vital to the company's standing, profitability, and capacity to deliver an outstanding loan experience to our clients.

This position offers a competitive salary along with a bonus structure tied to service level agreements that promote quality, outstanding customer service, and overall team success. A comprehensive benefits package is included.

If you thrive in a collaborative environment with dedicated, passionate individuals who prioritize both their employees and clients, we encourage you to consider this opportunity.

Key Responsibilities of the Mortgage Risk Assessor:

  • Evaluate loans in accordance with all investor, governmental, and agency regulations
  • Examine loan details in Encompass and conduct a thorough review of the Automated Underwriting System findings
  • Assess and compute income, including the evaluation of tax documents to determine complex income for self-employed applicants
  • Execute all underwriting tasks in line with various program specifications, company protocols, and applicable legal and regulatory standards
  • Ensure documentation, reports, and files are complete and accurate
  • Verify that all conditions have been satisfactorily fulfilled prior to closing
  • Demonstrate sound judgment, making quality decisions with minimal eligibility errors
  • Adhere to underwriting timelines to guarantee all loan deadlines are met
  • Stay updated on underwriting standards and policies, investor guidelines, and governmental regulations, communicating changes and potential impacts on customer service and marketable loans to sales and operations teams
  • Propose alternative solutions based on guidelines and experience
  • Provide counter approvals as necessary
  • Collaborate with leadership to implement necessary process adjustments in response to guideline modifications

Qualifications for the Mortgage Risk Assessor:

  • Hybrid work model available after initial in-person training period
  • Must possess an FHA DE Chums number
  • Minimum of 4 years' experience in underwriting FHA and conforming loans
  • At least 2 years' experience with non-agency jumbo programs, guidelines, and underwriting standards
  • Minimum of 2 years' experience using Encompass
  • Proficient in FHA, FNMA, and FHLMC program guidelines and requirements
  • Strong analytical, decision-making, and problem-solving skills
  • Excellent written and verbal communication abilities
  • High level of ownership and meticulous attention to detail
  • Critical thinker with a problem-solving attitude and a growth mindset
  • Exceptional time management and organizational skills, particularly with varying loan volumes
  • Proficient in MS Office applications including Word, Excel, Outlook, and Teams
  • High school diploma or equivalent required

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