ESSENTIAL DUTIES AND RESPONSIBILITIES:

Clear conditions, including but not limited to credit and title conditions
Prep loan files for review by an Underwriter to determine eligibility within HomeXpress’ guidelines
Assisting Underwriters as needed to move pipeline in a forward trajectory
Verify completeness of credit file
Calculate income
Confirm qualified Change of Circumstances and reprice loans as needed
Run reports and interact with various third-party vendors

Job Functions:

Capable of underwriting a minimum of 3-4 new loans per day.
Review conditions in a timely manner to remain in compliance with posted turn times.
Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
Review Income documentation and calculate income per investor and company guidelines.
Review Assets to determine reserves and cash to close per investor and company guidelines.

Required Knowledge:

Conforming and Non-QM Underwriting Guidelines
Strong verbal & written communications skills
Strong problem solving skills
Excellent interpersonal, customer service and organizational skills
High level math aptitude
Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.
Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
Superior knowledge of personal computers and applicable software.

Job Type: Full-time

Pay: $70,000.00 - $80,000.00 per year

Benefits:

Schedule:

Experience:

Work Location: In person

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

Underwriter