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Mortgage Underwriter
2 months ago
We are seeking a highly skilled Mortgage Underwriter to join our team at Finance of America Reverse. As a Mortgage Underwriter, you will be responsible for evaluating and analyzing loan packages to ensure investment quality loan products.
Key Responsibilities- Evaluate and analyze loan packages, including credit and collateral documentation, to ensure investment quality loan products.
- Work with loan originators to assist in structuring loans to ensure salability of packages.
- Check accuracy of all calculations and analyze income utilizing personal and/or corporate tax returns of all borrowers.
- Consult with processing and funding departments to ensure all underwriting conditions are met prior to loan closing.
- Assist with curing deficiencies in loan files as a result of failure to meet investor, FHA, VA, repurchase and/or Company guidelines.
- Maintain accuracy and competency in utilizing the Company's system of record for automated underwriting of loan files.
- Utilize and comply with all automated underwriting certifications for any loans approved in system.
- Communicate loan decisions both verbally and in writing in format approved by Company.
- Exercise discretion and utilize exceptional analytical abilities to detect discrepancies in documentation and/or information in order to protect Company from fraudulent practices.
- Responsible for prudent and timely underwriting of loans in accordance with Company and investor guidelines by ensuring that Company turn times are met and/or exceeded.
- Sign off on conditions in accordance with policies and procedures as set by credit officer.
- Perform appraisal reviews and work closely with in-house appraisal staff to perform secondary/desk reviews.
- Respond timely to all audits and maintain acceptable post-funding audit results within specific tolerance levels.
- Regularly attend and participate in departmental meetings.
- Remain up to date and informed on all government regulations and requirements as well as Company guidelines and overlays.
- Work closely with underwriting management to resolve questions/issues.
- Escalate issues within the Company prescribed process.
- Follow the Company standards for delivery of integrity, client focus, teamwork, and respect for each individual in every interaction.
- Exhibit observable sense of urgency in the execution of all job functions and duties.
- Meet or exceed levels of Customer Service delivery established by the Company.
- High School Diploma
- 3 to 5 years' experience in the mortgage industry
- 1 to 3 years' Reverse DE experience
- Current knowledge of industry guidelines and procedures as well as federal, state, and local regulations
- DE Approval and CHUMS number
- Knowledge of mortgage underwriting
- Analytical skills
- Detail-oriented
- Highly organized
- Multi-tasking and prioritization skills necessary
- Ability to work in a fast-paced environment under time constraints
- Ability to organize and coordinate projects
- Excellent customer service skills
- Ability to adapt to change quickly
- Knowledge of Microsoft Office
- Strong interpersonal skills and must be a team player
- Excellent communication skills both written and verbal
The base salary range for this position is ($93,600 - $127,600) inclusive of all geographical differences in the labor market. The base salary for the position will be determined based on factors such as the candidate's work location, skills, education, and experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members in determining any final offer. We offer a competitive benefits package including health, dental, vision, life insurance, paid time-off benefits, flexible spending account, 401(k) with employer match, and ESPP.
