Residential Mortgage Underwriting Specialist
1 week ago
SUMMARY: The Residential Mortgage Underwriting Specialist will evaluate and assess residential mortgage applications in accordance with established guidelines set forth by the Secondary Market, Investors, and Government entities (FHA/VA) as well as GSE standards. Candidates should possess a strong understanding of underwriting principles and be committed to maintaining high-quality standards.
KEY RESPONSIBILITIES:
The following outlines the essential functions of this role, though additional tasks may be assigned as necessary:
- Assess loan applications to ensure compliance with company and investor credit quality standards.
- Review mortgage loan documentation, including customer applications, income verification, appraisals, and title reports, to confirm adherence to both internal policies and external regulations.
- Evaluate loan attributes for accuracy and soundness.
- Identify potential risk factors and misrepresentation in loan applications.
- Analyze the overall financial profile of each applicant, including income, credit history, and equity.
- Provide assistance to Loan Officers and Relationship Managers in addressing inquiries and clarifying underwriting guidelines.
- Ensure prompt review processes and follow-up actions to meet customer expectations.
- Stay informed about changes in investor and regulatory policies that impact mortgage underwriting.
- Communicate effectively with team members and management regarding outstanding requirements and conditions.
- Review Automated Underwriting System (AUS) findings and ensure the integrity of income, credit, debt, asset, and equity calculations.
- Confirm that all required documentation is obtained as specified in AUS guidelines.
QUALIFICATIONS:
To succeed in this role, candidates must demonstrate the following qualifications:
- A bachelor's degree is preferred.
- A minimum of 3 years of experience in residential mortgage underwriting.
- Experience with conforming conventional loans is essential.
- Strong knowledge of 203K and Homestyle Loans.
- Familiarity with Encompass software is advantageous.
- Excellent verbal and written communication skills.
- A collaborative mindset with a strong focus on customer service.
- Adherence to relevant policies and procedures, including BSA, Privacy, CRA, and Safeguarding Customer Information.
- Ability to communicate effectively with customers, colleagues, and management at all levels.
- Strong problem-solving skills with the ability to analyze information and resolve issues promptly.
- Capability to work under pressure and meet deadlines.
- Proficiency in Microsoft Office Suite and Teams.
- DE Certification is required.
- SAR/LAPP Certification is required.
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