Underwriter

HomeXpress Mortgage Corp; Tampa (FL); On-site; USD 70,000 - 80,000; Full time

Benefits offered by this job

401(k) matching

Health insurance

Paid time off

Vision insurance

Job summary

HomeXpress Mortgage Corp in Tampa, Florida, is seeking an experienced underwriter to join our team. The role requires clearing conditions and prepping loan files for review, with expectations of underwriting 3-4 new loans daily. Candidates must have excellent interpersonal skills and a solid understanding of mortgage products.

We offer competitive benefits including 401(k) matching, health insurance, and paid time off. Join us to contribute to our growth in the mortgage industry.

Qualifications

• Minimum 1 year of experience in Wholesale Underwriting is required.
• Minimum 2 years of experience in Non-QM is required.
• Ability to quickly switch between tasks in a fast-paced environment.

Responsibilities

• Clear conditions including credit and title conditions.
• Prep loan files for Underwriter review to determine eligibility.
• Assist Underwriters to move the pipeline forward.
• Verify completeness of credit file.
• Calculate income and verify Change of Circumstances.

Skills

Excellent interpersonal skills

Customer service skills

High level math aptitude

Knowledge of Conventional loan products

Ability to work under pressure

Education

Experience in Wholesale Underwriting

Experience in Non-QM

Tools

Personal computers

Applicable software

Job description

• Compensation: USD 70,000 - USD 80,000 - yearly

Company Description

JoinourgrowingteamandbepartoftheTopNon-QMLenderintheBusiness

Weareknownforclosing mortgageloanswith Speed, Ease,and Convenience

Licensedin46States,weprovidebrokerswithafullsuiteofmortgageproducts,includingVA,FHA,FNMA, &FHLMC

HomeX also has a great company culture, tremendous growth opportunities, and competitive employee benefits

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Clear conditions, including but not limited to credit and title conditions
• Prep loan files for review by an Underwriter to determine eligibility within HomeXpress’ guidelines
• Assisting Underwriters as needed to move pipeline in a forward trajectory
• Verify completeness of credit file
• Calculate income
• Confirm qualified Change of Circumstances and reprice loans as needed
• Run reports and interact with various third-party vendors

Job Functions:

• Capable of underwriting a minimum of 3-4 new loans per day.
• Review conditions in a timely manner to remain in compliance with posted turn times.
• Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
• Review Income documentation and calculate income per investor and company guidelines.
• Review Assets to determine reserves and cash to close per investor and company guidelines.

Required Knowledge:

• Conforming and Non-QM Underwriting Guidelines
• Excellent interpersonal, customer service and organizational skills
• High level math aptitude
• Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.
• Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
• Superior knowledge of personal computers and applicable software.

Job Type: Full-time

Pay: $70,000.00 - $80,000.00 per year

• 401(k) matching
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Experience:

• Wholesale Underwriting: 1 year (Required)
• Non-QM: 2 years (Required)

Additional Information

All your information will be kept confidential according to EEO guidelines.