Frontline Underwriter

The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the client’s loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions: • Perform complete and in-depth review of mortgage loan files including income, assets, credit and collateral • Underwrite loans in accordance with client guidelines, utilizing AUS or manual guidelines • Evaluate and ensure overall loan documents are accurate, complete, and compliant • Ability to identify red flags or alerts • Issue loan decision and condition file accordingly • Review and approve conditions for compliance and completion of loan file • Provide excellent customer service to internal and external clients • Maintain current knowledge of client and investor requirements • Resolve pre and post-closing issues as they relate to underwriting Requirements: • Minimum 3 years current conventional mortgage loan underwriting experience o Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags o Basic knowledge of appraisal and ineligible properties • Thorough working knowledge of GSE underwriting guidelines, manual and automated underwriting engines (DU/LP) • Ability to calculate self-employed income across numerous income streams to include 1065, 1120 and K1 returns. • Strong analytic, interpersonal, and verbal and written communication skills • Detail-oriented with strong ability to manage time • Ability to work in a flexible and production-oriented environment • Must be able to work in a high stress environment while delivering a high-level of customer service • Must be willing and able to work as part of a team • Strong capability to work in multiple systems - paperless environment • Must be willing to work in a strict security environment • Candidates must be available to work outside of normal business hours when necessary