Underwriter

Essential Job Functions Maintain conforming signing authority and quality standards Maintain current knowledge of client and investor requirements Perform complete and in-depth review of mortgage loan files including income (inclusive of rental income, IRA, annuity and 401K), assets, credit and collateral Utilize clients loan operating system to ensure accurate data entry Evaluate and ensure overall loan documents are accurate, complete, and compliant Manually underwrite loans in accordance with client guidelines Restructure non-conforming loans in order to meet conforming loan limits Complete POA review Identify and/or clear red flags or s Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Provide excellent customer service to internal and external clients Assist Processors/Loan Officers in understanding underwriting decisions and conditions Resolve pre and post-closing issues as they relate to underwriting Requirements Minimum 1.5 years current mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Knowledge of appraisal and title, and ability to recognize red flags and ineligible properties Strong analytic, interpersonal, and verbal and written communication skills Detail-oriented with strong ability to time manage Ability to work in a flexible and production-oriented environment Must be able to work in a high stress environment while delivering a high-level of customer service Must be willing and able to work as part of a team Strong capability to work in multiple systems - paperless environment Must be willing to work in strict security environment Ability to obtain NMLS-MLO Licenses preferred Candidates must be available to work outside of normal business hours when necessary Must be comfortable with night Shift M-F 6 30 pm to 3 30 am