Mortgage Underwriter Specialist
2 months ago
**Job Title: US Mortgage Underwriters PASAY**
Key Responsibilities
- Review and analyze mortgage loan applications to ensure eligibility, accuracy, and compliance with internal and regulatory guidelines.
- Assess loan data, reports, and inspections to guarantee collateral acceptability for investors and the company.
- Make independent decisions on loan acceptance and risk according to HUD, company, and investor guidelines.
- Provide final approval for mortgage loan underwriting – Conventional, Correspondent, FHA, VA, Reverse.
- Complete required paperwork and forms in a timely and accurate manner.
- Sign off conditions as per management timelines.
- Collaborate with staff and management to resolve escalated loan issues.
- Make recommendations for improving Internal Audit's policies and practices.
- Manage loans using Encompass functionality.
- Effectively communicate underwriting decisions with processors and advisors.
- Maintain high levels of customer service and communication with other departments.
Education and Experience
- Bachelor's degree or equivalent of 15 years of education is mandatory.
- Minimum of 1 year of experience in Mortgage Underwriting with thorough knowledge of financial and non-financial supporting documentation.
- Strong understanding of income calculations, asset/liability, and appraisal verification.
- Excellent credit report review skills.
- Knowledge of risk and compliance in lending, especially FNMA & FHLMC Underwriting standards.
- Familiarity with Underwriting procedures of Conventional, Correspondent Lending, Reverse mortgage, FHA, VA (Government loans) underwriting.
Work Schedule and Travel Requirements
Ready to work any shifts as per Business unit requirements. Ready to travel to the office for training and other business unit requirements as needed.
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