Underwriter
The Rueth Team of Fairway Independent Mortgage
Denver, CO US
Posted ago
The Rueth Team of Fairway Independent Mortgage
Our mortgage company is expanding and we are seeking an experienced mortgage underwriter to join our growing team. You’ll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. If this sounds like you, apply today!
Responsibilities
  • Conduct a thorough search of clients’ financial and employment history to ensure accuracy of application and documents
  • Ensure once all information is gathered that it is accurate, compliance standards are met, and it is in congruence with company policies
  • Examine all documents and mortgage loan applications verifying that all necessary information is included for approval
  • Send requests as needed for any additional information that will help determine loan risk
  • Document in detail reasons for approving or rejecting a loan for our loan officers and clients

  • Follows prescribed guidelines, receives and reviews loan applications and associated documentation to ensure thoroughness and accuracy
  • Verifies loan-to-value ratios, completeness of application information and credit reports
  • Analyzes credit reports and associated documentation analyzes appraisals, qualifies and classifies loans according to Company guidelines
  • Maintains acceptable turnaround times for applications submitted for pre-approval and on funding packages
  • Interacts with Quality Control, Compliance, and Funding for problem resolution, risk evaluation and compliance concerns
  • Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans
  • Reworks loans to new terms, identifies additional conditions as needed to ensure a viable credit decision
  • Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals and ensures all necessary documentation is requested to support final loan decisions
  • Exercises good judgment, conducts reasonableness tests and issues quality decisions
  • Determines accuracy and completeness of files; ensures processes are consistent
  • Demonstrates proficiency in automated underwriting systems
  • Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity
  • Communicates regularly with loan originators, management, processors

Qualifications
  • Knowledgeable in automated underwriting systems and Microsoft office
  • Knowledge of home loans and residential mortgages such as conventional, VA, FHA, and USDA loans, and loan products
  • Demonstrates great decision-making and communication skills
  • Bachelor’s degree in business, finance, or a related field
  • 2+ years of mortgage underwriting experience or mortgage lending experience is required

  • Solid knowledge and understanding of FHA\VA\USDA, FNMA and FHLMC policies and guidelines
  • Solid knowledge and understanding of mortgage loan processing, compliance, investor products and underwriting guidelines
  • Solid knowledge and understanding of mortgage insurance (MI) guidelines
  • Solid knowledge and understanding of various fraud tools
  • Solid knowledge and understanding of processing and closing functions and a general understanding of the entire real estate lending process
  • Solid knowledge and understanding of customer service and intrapersonal best practices
  • Extensive knowledge and understanding of Investor, FHA and Fannie Mae guidelines

About The Rueth Team of Fairway Independent Mortgage

It's fun to work in a company where people truly BELIEVE in what they are doing! We're committed to bringing passion and customer focus to the business.

The Rueth Team is a highly charged, successful mortgage team focused on helping our clients build wealth. We are looking for team players who get excited about seeing clients succeed and are not afraid of hard work. We drive to success by supporting those who seek our help with trusted advice, proven strategies, and an unwavering dedication to deliver excellence regardless of the difficulties that may arise. It's the driven focus on client success that has earned Nicole Rueth and The Rueth Team the distinction of being the #1 Loan Originator in Colorado, the #1 Producing Branch Manager at Fairway Mortgage nationally as well as being named a multi-year 5280 Magazine's Five Star Professional.

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