Who we are:

Cornerstone Home Lending, a division of Cornerstone Capital Bank, is a unique national home lender with a reputation of amazing service, customer satisfaction, employee retention, and happiness. We employ people who are passionately committed to Cornerstone’s Mission, Vision & Core Convictions. Our brand is known for on-time closings - a key core conviction of Cornerstone. We have successfully navigated our company through many industry cycles and changes in regulations.

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are looking for:

Cornerstone Home Lending is seeking a Jumbo/Non-QM Underwriter to support our offices. Success in this job relies on your time management skills, organization, and positive attitude!

Key Responsibilities:

• Due Diligence Underwriting
• Ability to analyze the underwriting of Jumbo and Non-Agency mortgage loans in a timely manner for completeness and compliance guidelines and approved Seller variances.
• Use of manual underwriting requires strong attention to detail.
• Manage loan conditions from credit, property, and compliance reviews with Sellers and external 3rd party service due diligence providers.
• Evaluate and provide recommendations for underwriting waivers and eligibility exceptions.
• Clearly communicate, in written and verbal form, compensating factors to justify exceptions.
• Maintain strong knowledge of mortgage compliance rules agency underwriting guidelines and industry standards for appraisal requirements and regulatory compliance.
• Participate in evaluating current loan review processes and provide feedback and recommendations to increase efficiency and risk management capabilities.
• Consistently review third party services (valuation, fraud, compliance) to provide valuable input for loan decisions.

What you’ll need to be successful:

• 5 years of mortgage industry experience
• 5 years of jumbo and Non-Agency underwriting with complex income analysis required
• Expert underwriting knowledge and extensive experience with loan origination documentation
• Technologically savvy, with the ability to work in varied systems.
• Proficiency with automated underwriting engines, electronic document management and other systems
• High attention to detail and effective problem-solving skills
• Excellent client service skills
• Excellent oral and written communication skills
• Excellent multi-tasking skills and ability to manage multiple tasks simultaneously
• Analytical thinking ability, diplomacy and professionalism

 What we offer:

Because we recognize and reward hard work, we offer a competitive salary, a full benefits package, and the potential for a performance-based bonus.

What to do next:

If Cornerstone sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become a member of our winning team! And remember, once you're a part of our Cornerstone team, we'll continue to invest in you as a valuable asset to our company. As many of our team members can tell you, there's something special about working at Cornerstone.