Loan Underwriting Specialist

1 week ago

Denver, Colorado, United States M2 Lending Solutions Full time

Overview of the Loan Underwriting Specialist Role

M2 Lending Solutions is seeking a seasoned DE-certified Loan Underwriting Specialist with a strong track record to enhance our operations. In this role, you will apply agency and secondary market standards to deliver precise insights for superior customer service and marketable loans. Your responsibilities will include providing comprehensive notes and documentation for processors to collect additional information as necessary, employing exceptional problem-solving skills, and serving as the organization's guideline authority. Your contributions will be vital to the company's reputation, profitability, and the delivery of an exceptional loan experience for our clients.

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

If you thrive in a collaborative environment with dedicated, passionate professionals who prioritize both employee and customer satisfaction, we would like to connect with you.

Key Responsibilities of the Loan Underwriting Specialist:

  • Evaluate loans in accordance with all investor, governmental, and agency standards.
  • Examine loan data in Encompass and conduct a thorough review of the Automated Underwriting System (AUS) results.
  • Assess and compute income, including the evaluation of tax documents to determine complex income for self-employed applicants.
  • Perform all underwriting tasks in compliance 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.
  • Utilize sound judgment to make quality decisions with minimal eligibility defects.
  • Adhere to underwriting timelines to guarantee all loan deadlines are met.
  • Stay updated on underwriting policies and requirements, investor guidelines, and governmental regulations, communicating changes and their 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 Loan Underwriting Specialist:

  • Hybrid work option available after an initial in-person period.
  • Must possess an FHA DE Chums number.
  • A 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 utilizing Encompass.
  • Proficient in the guidelines and requirements of FHA, FNMA, and FHLMC programs.
  • 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 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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