What are the responsibilities and job description for the Underwriter/Senior Processor position at Cross Key Management?
Job Description:
The Underwriter/Senior Processor is responsible for taking a home loan file from submission through closing. This includes analyzing and verifying credit, income, asset, appraisal, and title documentation on purchase, refinance and home equity transactions to confirm that it meets investor guidelines. The role requires excellent communication skills with a drive toward meeting contingency and closing deadlines while providing exceptional customer service to all parties involved in the transaction. Key attributes to success are the ability to multi-task, time manage, precise verbal and written communication skills and a working knowledge of all major investor and agency guidelines.
Duties and Responsibilities:
- Review and process loan files from application through closing.
- Communicate with loan officers, underwriters, title companies, and clients.
- Ensure all documentation is accurate, complete, and in compliance.
- Review income, credit, assets and property information against investor guidelines to ensure eligibility for the desired loan program.
- Review loan approval and gather/review all outstanding loan conditions.
- Prioritize and monitor daily workflow in order to ensure all loans meet contractual contingency and closing deadlines with pro-active communication to referral partners and clients in accordance with company's timeline expectations.
- Work additional hours as needed.
- Assume responsibility and ownership of the loans in your personal pipeline.
- Stay current on all investor guidelines and program changes.
Basic Qualifications:
- Minimum 5 years of experience as a Mortgage Loan Processor.
- Strong knowledge of conventional, FHA, VA, and USDA loan products.
- Proven ability to manage a full pipeline and meet tight deadlines.
- Excellent communication and organizational skills.
- Attention to detail with a proactive, solution-oriented mindset.
- Experience with Encompass preferred.
- Experience with grants preferred.
- Underwriting experience is a plus, but not required.