Residential Mortgage Underwriter
2 weeks ago
POSITION OVERVIEW:
The Retail Mortgage Underwriter is responsible for evaluating residential mortgage applications in line with established Secondary Market, Investor, and Government (FHA/VA) underwriting standards.
The ideal candidate should be situated within the NY Tri-State region.KEY RESPONSIBILITIES:
Assess loan applications within the granted credit underwriting authority, ensuring compliance with Company and investor credit quality benchmarks.
Review mortgage loan documentation, including customer applications, income verification, appraisal, and title reports, to confirm adherence to company policies and applicable state and federal regulations.
Examine loan attributes and documentation for accuracy and soundness.Identify potential risk factors and/or misrepresentation in loan applications.
Evaluate the overall income, creditworthiness, and equity of each application.
Provide assistance to Loan Officers and Relationship Managers regarding inquiries, loan files, and underwriting criteria.
Ensure prompt review and follow-up actions to meet and exceed client expectations.
Stay informed on investor and regulatory policies, procedures, and changes impacting mortgage underwriting.
Communicate effectively with team members and management regarding outstanding requirements and conditions.
Review all Automated Underwriting System (AUS) findings, ensuring the integrity of income, credit, debt, asset, and equity calculations in accordance with guidelines.
Ensure that all required documentation is obtained as specified in AUS.REQUIREMENTS:
Bachelor's degree is preferred.
Minimum of 3 years of experience in residential mortgage underwriting.
Experience with conforming conventional loans is essential.
Strong understanding of 203K and Homestyle Loans.
Familiarity with Encompass software is advantageous.
Excellent verbal and written communication abilities.
A collaborative team player with a strong dedication to customer service.
Adherence to established policies and procedures relevant to the role, including but not limited to BSA, Privacy, CRA, and Safeguarding Customer Information.
Ability to communicate effectively with customers, colleagues, and all management levels. Strong interpersonal and organizational skills.Proficient in problem identification and resolution in a timely manner through information gathering and analysis.
Ability to thrive under pressure and meet deadlines.
Proficient in Microsoft Office Suite & Teams.
DE Certification is mandatory.
SAR/LAPP Certification is required.
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