Loan Decision Specialist
4 weeks ago
Job Summary:
As a Loan Decision Specialist at American Pacific Mortgage, you will be responsible for providing efficient and timely loan decisions on a daily basis. You will underwrite loans that adhere to our company's policies and procedures as well as investor guidelines.
Key Responsibilities:
* Respond to quality control audit findings in a timely and proficient manner
* Underwrite a minimum of 2 loans per day and complete outstanding conditions in a timely manner
* Review files for accuracy and completeness according to our underwriter checklist and investor guidelines
* Communicate effectively with processors and loan officers on the status of loan files and conditions
Requirements:
* At least three (3) years underwriting experience
* Proven experience with Encompass
* Authority to underwrite CONV and when designated authority is authorized, USDA and/or Jumbo products to APMC or investor guidelines
* General experience and understanding of the following products: Mortgage Builder, Microsoft Word and Excel, Outlook, and Internet navigation
Competencies:
* Problem Solving: Analytical, evaluative, and problem-solving skills
* Detail Oriented: Keen attention to detail
* Interpersonal Skills: Ability to set and manage priorities judiciously
* Oral Communication: Ability to present ideas in business-friendly and user-friendly language
* Written Communication: Ability to write clearly and informatively
* Teamwork: Ability to work in a team-oriented, collaborative environment
* Attendance/Punctuality: Consistently at work and on time
* Dependability: Follows instructions, responds to management direction
* Initiative: Exceptionally self-motivated and directed
* Innovation: Displays original thinking and creativity
Education & Experience:
* At least three (3) years underwriting experience
* Proven experience with Encompass
* Authority to underwrite CONV and when designated authority is authorized, USDA and/or Jumbo products to APMC or investor guidelines
* General experience and understanding of the following products: Mortgage Builder, Microsoft Word and Excel, Outlook, and Internet navigation
Skills:
* Language Skills: Ability to read and interpret documents and write routine correspondence
* Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure
* Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form
* Computer Skills: Sound working knowledge of computer and office software operations and systems
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