Underwriter

3 weeks ago


Columbus, United States Insight Global Full time
Job DescriptionJob Description

Must Haves:

  • High school diploma
  • Minimum 5 years of mortgage underwriting experience in the 1st mortgage arena (includes FNMA and FHLMC)
  • Must have recent underwriting experience with all conventional/government lending agencies
  • Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
  • Strong cash flow analysis skills reviewing complex personal and business tax returns, P-L statements and financial statements
  • Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
  • Proficient with loan origination software, Desktop Underwriter and Loan Prospector
  • Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc.
  • Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
  • Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
  • Ability to work in a high-volume environment with minimal supervision, while maintaining production service levels
  • Strong analytical skills with attention to detail
  • Customer service oriented
  • Ability to multi-task while maintaining a high-level of flexibility

 

Plusses:

  • Third party lending experience
  • Underwriting experience with VA/FHA/USDA preferred
  • FHA Direct Endorsement and VA LAPP Authority preferred

 

Day to Day: Underwrite residential first mortgage files received from mortgage loan originators and/or mortgage brokers to ensure that all credit and compliance documents are included for final review and approval.

  • Underwrite residential first mortgage loans – Conventional, FNMA, FHLMC, FHA/VA.
  • Confidence in underwriting risk-based portfolio product set from our Wealth Management Group.
  • Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
  • Adhere to all department service level standards for communication, production, and turn-time
  • Supportive environment that offers autonomy, customer service and a commitment to doing it right.

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