US Mortgage Underwriter - Work From Home

Talent Advisors Solutions; United States; Remote; USD 50,000 - 80,000; Full time

Job summary

An established industry player is seeking a Mortgage Underwriting Associate to join their dynamic team. This role involves evaluating loan applications for residential mortgages, ensuring compliance with agency guidelines, and making informed underwriting decisions. The ideal candidate will possess strong analytical skills and a solid understanding of mortgage underwriting practices. You'll be part of a supportive environment that values customer care and promotes professional growth. If you're passionate about the mortgage industry and eager to contribute to a team-oriented culture, this opportunity is perfect for you.

Qualifications

• 2+ years of experience in mortgage underwriting.
• Understanding of Conventional, FHA, and VA guidelines.

Responsibilities

• Evaluate loan applications for residential mortgages.
• Review documentation for accuracy and compliance.
• Provide exceptional customer care and maintain confidentiality.

Skills

Mortgage Underwriting

Analytical Skills

Attention to Detail

Time Management

Microsoft Office

Problem-Solving

Communication Skills

Education

Bachelor's Degree

Job description

Full Job Description
Position Summary:
The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 Cs, evaluating risks, and making loan eligibility decisions.
The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services.

Responsibilities:

• Knowledge of mortgage underwriting and Agency automated underwriting systems
• Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines
• Review all mortgage applications and documentation for accuracy and completeness
• Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.
• Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators
• Review property documentation including title commitments, sales contracts, insurance, and flood determinations
• Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud
• Review and analyze appraisals for value and compliance with industry requirements
• Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience
• Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client
• Maintain confidentiality of all customer and employee information
• Respond positively to feedback and redirection
• Fully utilize systems, tools, training, and resources provided to maximize potential
• Assist other departments as needed
• Meeting daily production.
• Meeting the daily SLA requirement
• Meeting the daily Quality requirements

Qualifications Education: Bachelors in any stream.
Experience: 2+ years increasingly responsible experience in related areas.

Knowledge/Skills/Abilities:

• Experienced mortgage professional with 2-3 years with mortgage underwriting.
• Has a complete understanding of Conventional, FHA and VA underwriting guidelines.
• Has working knowledge of real estate lending criteria and federal, state, and agency compliance
• Can multi-task and manage time efficiently
• Has strong organizational skills, attention to detail, and basic Microsoft Office skills
• Good analytical and problem-solving skills.
• Strong organization and verbal and written communications skills.
• Highly adaptive and open to changes as the organization grows and its needs evolve.

To apply, call Mr Rohan at 9289050049