Underwriter

Jet HomeLoans, a Dream Finders Homes company; Bluffton (SC); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health Insurance

Vacation and Holidays PTO

401(k) with company match

Employee Wellness Programs

Home Purchase Discount for Associates

Pet Insurance

Job summary

Jet HomeLoans, LP is seeking an experienced Mortgage Underwriter to evaluate complex loan applications and manage a dedicated pipeline. You will ensure loans meet investor guidelines and are salable while staying current with FNMA/FHLMC and federal/state regulations.

Strong analytical and communication skills are essential in a fast-paced team environment. Based in Bluffton, SC, this hybrid role offers opportunities to collaborate with sales, processing, and compliance teams and contribute to

Qualifications

• 2+ years of new mortgage underwriting experience.
• Excellent knowledge of FNMA/FHLMC guidelines.
• Strong understanding of TRID, TILA and HMDA.
• Ability to navigate loan origination software and analytics.
• Clear written and verbal communication.
• Must read and interpret loan documents.

Responsibilities

• Underwrite complex loan applications and manage pipeline.
• Ensure loans are salable and conform to guidelines.
• Keep up with investor and insurer guidelines/programs.
• Adhere to company policy and procedures.
• Analyze borrower income, assets and credit/liabilities.
• Calculate income types and other figures.
• Ensure pipeline closes in a timely manner.
• Meet KRI and KPI metrics.
• Review and resolve loan issues.
• Collaborate with sales, processing, underwriting, closing, QA teams.
• Report material infractions to Underwriting Leadership.

Skills

Mortgage underwriting

VA SAR

Guideline knowledge

Regulatory knowledge

LO software

Communication

Loan docs reading

Math calculations

Tools

Encompass LO

Job description

Jet HomeLoans, LP is a National Mortgage Lender headquartered in Jacksonville, Florida. Jet HomeLoans focuses on providing its customers and business partners with the industry's best services.

Position Overview
An Underwriter is responsible for underwriting complex loan applications and managing an assigned loan pipeline. Additionally, a person in this position is responsible for:

• Ensures loans approved are salable and conform to applicable investor and insurer guidelines.
• Keeping up with the most recent investor and insurer guidelines/programs.
• Adhering to company policy and procedures
• Analyzing borrower income (all income types), assets and credit/liabilities documentation.
• Calculating simple and complex income types.
• Ensuring loans within the assigned pipeline close timely
• Ensure assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
• Reviewing and solving complex loan issues
• Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders
• Researching and responding timely to internal Quality Assurance and Quality Control reviews
• Report material process and policy infractions/gaps to Underwriting Leadership.
• An Underwriter reports directly to an Underwriting Manager.

Required Experience:

• Current VA SAR Designation
• 2+ years of new mortgage underwriting experience.
• Excellent working knowledge of FNMA, FHLMC guidelines
• Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA)
• Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies
• Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
• Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
• Able to define problems, collect data, establish facts and provide information to resolve the situation.
• Able to work well under pressure, meet multiple and sometimes competing deadlines.
• Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
• Basic computer skills required: word processing, email, and mortgage software.

Preferred Experience:

• 2- 3 yrs of Ellie Mae Encompass Loan Origination System Experience
• Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.
• Maintain a high level of integrity, confidentiality, and trust.
• Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
• Meet established productivity, loan quality and task management standards.
• Ensure confidentiality of client records.
• Demonstrate a commitment to the Company Culture.
• Respond to phone calls and emails within the same workday.

Workplace Requirements:

• Able to navigate a standard office environment (remotely and/or in office)

#jethomeloans #mortgagejobs #newhomesales

Location(s)

12 Johnston WayUnit A and B, Bluffton , South Carolina 29910 , United States

Our benefits include: Health Insurance - Medical, Dental & Vision; Vacation & Holidays -- generous PTO & 11 holidays; 401(k) Savings Plan with company match, Employee Wellness and Employee Assistance Programs, Home Purchase Discount for Associates, Pet Insurance.

Dream Finders Homes is an equal opportunity employer, and considers all applicants without regard to race, color, sex, religion, disability, age, national origin, or any other legally protected status.

EEO is the Law