FHA DE Underwriter
Semper Home Loans, Inc.
Providence, RI US
Posted ago
Semper Home Loans, Inc.
Are you an organized, detail-oriented, mortgage industry professional looking for a lucrative opportunity on a growing team? We’re expanding and looking for an experienced mortgage underwriter to join us. You’ll conduct a thorough analysis of all real estate loan applications to ensure correct completion based on current investor guidelines and industry standards. If your skills align with the role, let’s connect!
Responsibilities
  • Review loan files to determine compliance with lender credit underwriting guidelines as well as government guidelines
  • Review and validate borrower(s): income (including complex business and personal tax returns), credit, asset documentation, title and fraud reports
  • Analyze loan files to determine credit worthiness of borrower
  • Prioritize and manage files among new submissions, documents, and funding
  • Work as a team with loan officers and other professionals to ensure file completeness
  • Review appraisal process to ensure the value of the property is accurately presented
  • Maintain production standard goals as established by management
  • Re-underwrite loans if and when additional information has been received
  • Be proactive in researching general underwriting scenarios and guidelines to stay up to date
Qualifications
  • Bachelor’s degree, or equivalent combination of education and experience
  • Must have a minimum of five years experience in mortgage underwriting including conventional, FHA, VA, and/or specialty program underwriting
  • Must have an active DE CHUMS
  • LAPP/SAR is preferred but not required
  • Must be familiar with investor guidelines.
  • Strong analytical and decision making/problem-solving skills
  • Excellent interpersonal, organization, prioritization, and time management skills
  • Strong working knowledge of ATR/QM requirements
  • Encompass LOS experience required
  • Knowledge of compliance and disclosure requirements (TRID)


Compensation
$65,000 - $100,000 yearly
About Semper Home Loans, Inc.

Semper Home Loans is a continuously growing mortgage lender licensed in 40+ states closing FHA, VA, USDA, Fannie, Freddie and non-conforming mortgages. We are looking for “rock stars” that want to be part of the team.

Semper Home Loans is an EEO/AA employer.

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