Lending Underwriter

3 days ago

Irving, Texas, United States BSI Financial Services Full time

Underwriter @ BSI Financial Services

Join BSI Financial Services as a Underwriter in our Lending Division. Our lending division is continuing to expand and we are looking for an underwriter who will complete a thorough analysis of loan files to determine credit worthiness, underwrite according to current guidelines from multiple investors, calculate complex income scenarios, respond to post closing reviews and audits, and assist in other areas as needed.

Position Type and Expected Hours of Work

This is a full-time hybrid position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Overtime may be required as needed.

What you will do:

  • Complete thorough and accurate analyses and prepare financial statement spreadsheets, determine the credit worthiness of the borrower, prepare a thorough written analysis of the loan request and financial condition of the borrower, assess a proper loan grade, identify exceptions to policy and guide the Credit Approval Document through the loan approval process.
  • Requires in-depth knowledge of the mortgage rules and regulations, to include understanding the various Standard Operating Procedures manuals for Conventional, FHA and VA loans.
  • Working knowledge of Conventional, FHA and/or VA eligibility, structuring, and loan program parameters (and staying abreast of any changes in these programs).
  • Documenting and effectively communicating reasons for the approval/rejection of loans.
  • Train staff on various underwriting issues such as appraisals, credit reports, income calculations, credit guidelines.

What we're looking for:

  • Minimum of 3 years underwriting experience required.
  • DE and /or LAPP certification highly preferred.
  • Extensive knowledge of GSE, FHA, and VA underwriting guidelines and relevant regulations
  • Highly organized and able to prioritize
  • Good communication skills, both written and verbal
  • Detail oriented with strong data analysis skills
  • Proficiency in Automated Underwriting Systems

What's in it for you?

  • Competitive compensation and full benefits package include medical, dental, and vision.
  • 100% company-paid life insurance and disability coverage
  • 401K with company matching
  • 17 days PTO (increases with tenure) and 9 company paid holidays
  • Professional but fun, casual work environment and great team culture

About BSI Financial:

Founded in 1986, we provide financial services that support our vision of enabling sustainable home ownership by practicing core values that embody doing what is right; emphasizing problem solving; delivering on expectations and winning with humility. Our clients include lenders and investors who make home financing possible.

BSI Financial was ranked multiple times in the SMU Dallas 100 list of the fastest growing

companies in North Texas and was twice named to the Inc. 5000 list of the fastest growing U.S. companies.

EEO Statement:

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status, or any other characteristic protected by law.

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