Underwriter

Dream Finders Homes; Orlando (FL); Híbrido; USD 70 000 - 95 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Health Insurance

401(k) with company match

Paid time off

Home purchase discount

Employee wellness programs

Resumo da oferta

Jet HomeLoans, LP is a national mortgage lender seeking an Underwriter to handle complex loan applications and manage an active pipeline in Orlando, FL. The role focuses on underwriting Government and Conventional loans while ensuring salability and adherence to investor guidelines.

Ideal candidates have 2+ years of underwriting experience, VA SAR designation, and strong knowledge of FNMA/FHLMC guidelines, TRID/TILA/ECOA/HMDA compliance, and loan documentation analysis.

Qualificações

• 2+ years of mortgage underwriting experience
• Knowledge of FNMA/FHLMC guidelines
• Knowledge of TRID, TILA, ECOA, HMDA requirements
• Ability to read and interpret loan documents
• Strong written and verbal communication skills
• Proficient with loan origination software and basic math

Responsabilidades

• Underwrite complex loan applications and manage assigned loan pipeline
• Ensure loans comply with investor/insurer guidelines
• Keep up-to-date with investor and insurer programs
• Communicate with sales, processing, underwriting, closing, and compliance teams
• Research and respond to QA/QC reviews
• Meet productivity and loan quality standards

Conhecimentos

Mortgage underwriting

VA SAR designation

FNMA/FHLMC guidelines

Federal & state laws (TRID/TILA/ECOA/H

Ferramentas

Ellie Mae Encompass

Microsoft Excel

Descrição da oferta de emprego

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:

• Underwriting Government, Conventional (Fannie Mae/Freddie Mac) Loans.
• 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
• Microsoft Excel proficiency

Expectations

• 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)

8529 Southpark CircleSuite 130 , Orlando , FL 32819 , United States

Compensation

n/a

Benefits

• 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

Posting Close Date

n/a