Underwriter II

taylormorrison; Florida; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health Care - Medical

401(k) with Company Matching

Flexible Spending Accounts

Disability Programs

Life Insurance

Vacation & Company Holidays

Tuition Reimbursement

Home Mortgage Program

Employee Assistance Program (EAP)

Job summary

Taylor Morrison is seeking an Underwriter II to thoroughly review in-house loans and pre-submission reviews of externally underwritten loans, ensuring compliance with FHA, FNMA, and FHLMC guidelines. The role requires a Bachelor's degree and at least 2 years of underwriting experience, FHA Direct Endorsement Certification, and proficiency with automated underwriting software; overtime may apply.

You will collaborate with Loan Consultants, Closers, and management to deliver timely decisions and

Qualifications

• Bachelor's degree and at least 2 years underwriting experience.
• FHA Direct Endorsement Certification required.
• Thorough understanding of FHA, FNMA and FHLMC guidelines and overlays.
• Proficient in reviewing and analyzing all levels of individual and business income tax returns.

Responsibilities

• Review loan applications and determine credit decisions for FHA and conventional loans.
• Assess borrower's ability to repay and clear underwriting conditions.
• Maintain up-to-date knowledge of underwriting guidelines and overlays.
• Provide high quality customer service and timely feedback to stakeholders.

Skills

Customer focus

Dependability

Creativity

High energy

Integrity

Responsive

Self-starter

Education

Bachelor's degree

Tools

Automated underwriting software

Job description

As an Underwriter II working for Taylor Morrison you will be responsible for the thorough review of in-house loans and pre-submission reviews of externally underwritten loans and ensuring that all loans are underwritten according to agency and investor guidelines. Promotes excellent customer service and related activities, and works with Management, Loan Consultants, Client Coordinators and Closers.

Job Details

We trust that as an Underwriter II you will:

• Responsible for determining and issuing the credit decision of FHA and conventional, conforming, high balance and super-conforming mortgage loan applications (up to a maximum loan amount of $424,100 or regional conforming loan amounts for conventional loans and FHA loan limits as published) according to agency and lender guidelines
• Assess the borrower(s) ability to repay, including validation of the borrower(s) employment, income, credit, assets and collateral as well as clearing any applicable underwriting conditions
• Complete reviews of loans that will be underwritten as a prior-approved loans with the company's investors and providing feedback to Client Coordinators and Loan Consultants
• Maintain up to date knowledge of all agency and investor underwriting guidelines and credit overlays
• Provides high quality customer service, including underwriting to the companies service level expectations
• You are willing to perform other duties as assigned

What you will need:

• Customer Focused
• Dependability/Creativity
• High Energy Level
• Integrity/Honesty
• Responsive
• Self-Starter

About you:

• Bachelor's degree and a minimum of 2 years underwriting experience
• Must hold a FHA Direct Endorsement Certification
• Have a thorough and comprehensive understanding of all FHA, FNMA and FHLMC underwriting guidelines and investor overlays
• Possesses solid working knowledge of subject matter
• Automated underwriting software required
• Must be proficient in reviewing and analyzing all levels of individual and business income tax returns

FLSA Status: Non-Exempt

Will have responsibilities such as:

This position is considered a non-exempt position for purposes of wage-hour law, which means that you will be required to keep a time record and will be eligible for overtime pay.

Essential Functions:

• Report to Division/Corporate Office/Community daily and adhere to schedule
• Ability to access, input, and retrieve information from a computer and/or electronic device
• Ability to have face to face conversations with customers, co-workers and higher level manager
• Ability to sit or stand for long periods of time and move around work environment as needed
• Ability to operate a motor vehicle if applicable
• Comply with company policies and procedure

Physical Demands:

Must be able to remain in a stationary position up to 50% of the time

*Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement.

Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job.

Benefits of Working With Taylor Morrison

We are looking for dedicated professionals that share our values of putting the customer - and their needs - first. In addition to a great team atmosphere, career development and advancement opportunities, we offer full-time employees an extensive benefits package, to include:

• Competitive Compensation
• Health Care - Medical/Dental/Vision/Prescription Drug Coverage
• 401(k) with Company Matching Contributions
• Flexible Spending Accounts
• Disability Programs
• Employee & Dependent Life Insurance
• Vacation & Company Holidays
• Tuition Reimbursement
• Employee Home Purchase Rebate Program
• Home Mortgage Program
• Employee Assistance Program (EAP)