Senior Government Underwriter

Company Description

HomeXpress – Your Leading Non-QM Mortgage Lender.

Join our growing team and be part of the Top Non-QM Lender in the Business.

We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.

If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description

• Job Title: Senior Government Underwriter 
• Department: Credit 
• Reports To: VP, Credit - Agency 

PRIMARY FUNCTIONS: The Senior Government Underwriter (UW) verifies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a “knowledge bank” in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage’s clients. 

Essential Duties And Responsibilities:

• Analysis of submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines 
• Properly Condition loans per Underwriting Guidelines and AUS as applicable 
• Communicate decisions to appropriate individuals 
• Clear conditions, including but not limited to credit and title conditions  
• Ensure the highest quality and level of customer satisfaction 

Desired Personal Characteristics:

• Detail oriented and committed to the highest quality 
• Self-Starter with positive Can-Do attitude 
• Works well under pressure and relishes the responsibility that comes with the job 
• Problem solving and analysis 

• Decision Making

• Results Driven

• Communication Proficiency

• An open-minded individual that embraces change and innovation 

Job Requirements:

• Meet Daily and Monthly targets for productivity 
• Provide feedback on guidelines to ensure HomeXpress is following Agency (GSE, FHA, VA) Guides 
• Assist with new product development, and implementation 

Education:

• Bachelor's degree in business, finance, or equivalent related field experience preferred 

Experience:

• 5+ years of experience in mortgage underwriting 

• Va Lapp/Sar

• Fha De

• Manual underwriting to FHA and VA handbook requirements 

• Aus Proficient

• Computer proficient in Excel, Word, Outlook, and various LOS 
• Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail. 
• Ability to communicate issues between several audiences proficiently 
• Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline 

Physical Requirements:

• This position is in an office setting / remote with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations. 

Additional Information

All your information will be kept confidential according to EEO guidelines.