Non-QM Underwriter II

5 days ago

Corona, CA, United States Paramount Residential Mortgage Group Full time
Overview

Responsible for the prudent underwriting of Non-QM loans in accordance with company and investor guidelines. The duties for Non-QM Underwriter include, but are not limited to, those described below.

Essential Job Functions:

  • Communication: Liaises among borrowers, investors and escrow companies to communicate decisions on loans.
  • Organization: Ensures loan files are complete with all outstanding issues addressed.
  • Equipment: Uses such office equipment as computer terminals, copiers and FAX machines.
  • Physical: Sits for extended time periods. Hearing and vision within normal ranges.
Responsibilities
  • Completes a thorough analysis of loan files to determine compliance with company and investor guidelines.
  • Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product.
  • Checks accuracy of all calculations and data integrity.
  • Completion of all required underwriting worksheets found in FastTrac 360 Resource Center.
  • Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation.
  • Maintains company standard for productivity level and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions.
  • Strives to meet 2 decisions/day within allotted time.
  • Communicates decision on loans to appropriate parties both verbally and in writing.
  • Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager.
  • Frontline underwriting of non-QM loan products.
  • Perform a thorough analysis of the applicant's income and expense data, asset documentation, credit reports, and property valuations.
  • Performing manual underwriting, requiring a detailed familiarity with various loan programs.
  • Executing an appraisal analysis to determine that acceptable collateral standards are met.
  • Additional related duties may be assigned, as required.
  • Available to processors for general guideline interpretations and questions on specific loan files.
  • Responds to post closing reviews and audits in a timely fashion.
  • Performs related duties, as directed by Underwriting or Operations Manager.
Qualifications
  • Minimum five years of recent NON-QM mortgage underwriting experience, with solid working knowledge of underwriting guidelines to include FNMA, FHLMC, and NON-QM Investors.
  • Ability to review & calculate complex personal and/or business financials and tax profiles.
  • Excellent written and verbal communication.
  • Experience working in a fast-paced team environment.
  • Encompass loan origination system experience required 5+ years

Skills:

  • Strong interpersonal-communication and business-relationship skills
  • Detail oriented
  • Excellent written and verbal communication skills
  • Technologically proficient in MS Windows software

Education:

  • High school diploma

Travel:

  • None
Min USD $70,000.00/Yr. Max USD $105,000.00/Yr.

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