Strategic Underwriting Specialist

Jobtailor; Deutschland; Vor Ort; EUR 42.000 - 68.000; Vollzeit

Zusammenfassung

Jobtailor seeks an experienced Mortgage Underwriter to support agency product types remotely in a high-volume environment. You will ensure accurate underwriting decisions and timely processing, adhering to investor guidelines.

Responsibilities include covering absences, absorbing overflow, reviewing files after closing, and communicating status to leadership. Experience with Conventional, FHA, USDA, and VA loans is required.

Qualifikationen

• 5+ years of front-line mortgage underwriting experience across all agency product types.
• Active DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), and LAPP (Lender Appraisal Processing Program) certifications.
• Experience with Encompass LOS, preferred.
• Experience in a floater, lead underwriter, or senior underwriter capacity, preferred.
• Experience working in a high-volume, dynamic production environment, preferred.
• Advanced knowledge of agency guidelines, AUS findings (DU/LP), and investor overlays.
• Demonstrated proficiency in underwriting Conventional, FHA, USDA, and VA loan products.
• Familiarity with Workday HR/time management platform, preferred.
• Skilled in managing multiple pipelines simultaneously across different teams and priorities.
• Excellent attention to detail with a record of delivering accurate, high-quality underwriting decisions.
• Excellent communication skills; independently effective in a remote environment.

Aufgaben

• Cover underwriter pipelines during planned and unplanned absences, including vacation, leave, and other time-off scenarios.
• Absorb overflow loan volume across multiple teams to ensure production targets and service level commitments are met.
• Review and update loan files upon return from closing for any changes, adjustments, or outstanding conditions requiring resolution.
• Identify and correct time-entry discrepancies and other issues in Workday in coordination with team managers.
• Operate as a floater across multiple underwriting teams, adapting quickly to varying pipelines, team structures, and lender overlays.
• Underwrite loans across all agency product types in compliance with applicable guidelines, investor requirements, and company policies.
• Maintain clear, timely communication with VP of Underwriting, team managers, and support staff regarding pipeline status and priority items.
• Uphold all quality standards and regulatory requirements consistent with the organization's underwriting practices.
• Work remotely with a reliable internet connection and maintain a professional home office environment.
• Maintain availability during standard business hours with flexibility for peak production periods and occasional overtime.

Kenntnisse

Mortgage underwriting

Agency guidelines

AUS findings (DU/LP)

Conventional FHA USDA VA

Remote work proficiency

Tools

Encompass LOS

Workday

Jobbeschreibung

Responsibilities

• Cover underwriter pipelines during planned and unplanned absences, including vacation, leave, and other time‑off scenarios.
• Absorb overflow loan volume across multiple teams to ensure production targets and service level commitments are met.
• Review and update loan files upon return from closing for any changes, adjustments, or outstanding conditions requiring resolution.
• Identify and correct time‑entry discrepancies and other issues in Workday in coordination with team managers.
• Operate as a floater across multiple underwriting teams, adapting quickly to varying pipelines, team structures, and lender overlays.
• Underwrite loans across all agency product types in compliance with applicable guidelines, investor requirements, and company policies.
• Maintain clear, timely communication with VP of Underwriting, team managers, and support staff regarding pipeline status and priority items.
• Uphold all quality standards and regulatory requirements consistent with the organization's underwriting practices.
• Work remotely with a reliable internet connection and maintain a professional home office environment.
• Maintain availability during standard business hours with flexibility for peak production periods and occasional overtime.

Requirements

• 5+ years of front‑line mortgage underwriting experience across all agency product types
• Active DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), and LAPP (Lender Appraisal Processing Program) certifications
• Experience with Encompass LOS, preferred
• Experience in a floater, lead underwriter, or senior underwriter capacity, preferred
• Experience working in a high‑volume, dynamic production environment, preferred
• Advanced knowledge of agency guidelines, AUS findings (DU/LP), and investor overlays
• Demonstrated proficiency in underwriting Conventional, FHA, USDA, and VA loan products
• Familiarity with Workday HR/time management platform, preferred
• Skilled in managing multiple pipelines simultaneously across different teams and priorities
• Excellent attention to detail with a record of delivering accurate, high‑quality underwriting decisions
• Excellent communication skills; independently effective in a remote environment.

Core Competencies

Demonstrates extensive mortgage underwriting expertise with a focus on agency product types, compliance with guidelines, and effective communication in a remote work environment. Proficient in managing multiple pipelines and delivering high‑quality underwriting decisions under pressure.