Our team is expanding and we’re looking for a Mortgage Underwriter expert to help make quality decisions for our clients on VA, FHA, and conventional loans. Renovation lending experience such as FHA 203k and Fannie Mae Homestyle is a plus but not a requirement.
You’ll identify, examine, and balance transactional, borrower, and property-related risks and offsets, to determine a loan approval, suspense, counteroffer, or denial. You’ll also be responsible for inspecting credit reports, income documentation, asset documentation, liabilities, property appraisals, and title reports to make sure that loans meet company standards, government regulations, and standards for sale to the secondary market.
In this role, you’ll also be considered the resident specialist for the company, partners, and management, on all matters related to underwriting and will provide advice and support to these parties in their functional areas.
Job seekers should have exceptional knowledge of the loan process and various types of mortgage documents and investor requirements. You should also have excellent time management skills, and be able to efficiently produce accurate, high-quality work.
If you’re a driven, self-motivated mortgage professional looking for your next career move, this is your big opportunity to join a top-notch lending team. Start your application today!
- Review all mortgage items and conditions provided by borrowers to ensure all necessary information is included for approval and meet required guidelines utilizing internal and external (e.g. agency) policies and procedures (e.g. automated underwriting systems like Desktop Underwriter(DU))
- Analyze loan applications to identify any risk issues and/or potential misrepresentation
- Confirm and clear conditions on loans by making sure that all the necessary information is gathered, and it is correct, classified correctly, organized, compliant, and congruent with company policies
- Examine applications and all pertinent disclosures to ensure compliance with all Federal, State, and investor requirements
- Stay up-to-date on the latest loan products and origination requirements and regularly make recommendations for improvement opportunities to management based on the current underwriting environment
- Possess the ability to make clear underwriting determinations while meeting our turn-time expectations and provide timely and accurate answers on several loan project guidelines
- Strong customer service skills while also being able to represent the company brand in a positive way
- SAR and DE licenses preferred with strong understanding of government and/or conventional loan selling and underwriting guidelines (e.g., Freddie Mac, FHA, VA, Fannie Mae, etc.)
- Prior experience with AUS (GUS/DU/LP) Encompass software, and Mortgage Electronic Registration Systems (MERS)
- 5 or more years or mortgage experience, including at least 2 years of underwriting experience
Our commitment to our core values of people, experience, technology, and product stem from the values of our parent company Sun West Mortgage Company, Inc. Sun West was founded in 1980 with the perspective of “clients-first” and the desire to make the mortgage process easy and stress-free for prospective homeowners. Since then, Sun West services several multi-billion dollar loan portfolios and is licensed to lend in 48 states, the District of Columbia, Puerto Rico, and the US Virgin Islands. Their nearly 40 years of experience has been passed down to everyone here at Mortgage Possible through excellent leadership and loan capabilities.
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