Underwriter
Sente Mortgage - San Antonio, TX

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NOTE: This position could also be based in our Austin, Houston, or DFW locations.

Job Summary: Responsible for the underwriting of conventional and government loans

Responsibilities:
- Underwrite Conventional, FHA, and VA loans according to approved underwriting credit guidelines as prescribed by Freddie Mac, Fannie Mae, FHA, VA, and USDA; and follow individual investor guidelines with respect to possible additional overlays on each product
- Coach/counsel personnel in the interpretation and application of underwriting guidelines, providing guidance and recommendations in person or via email or telephone conversations
- Identify and recommend alternative loan structuring and financing solutions as needed
- Communicate all loan decisions in a timely manner
- Prior to any notice of declination, provide file to be reviewed by Regional Underwriting Manager and loan committee for alternative solutions
- Communicate all loan declinations and suspensions verbally to the Mortgage Banker or Branch Manager as quickly as possible
- Clear underwriting conditions to facilitate closing and funding of loans within current turn times posted
- Condition for Field Review on appraisal reports as needed
- Ensure that final loan information is accurate in loan origination system prior to file being submitted to closing, including but not limited to loan amounts, appraised value, interest rate, income, assets, and monthly payments
- Assist when required to satisfy any post-closing issues

Skills:
- Professional, polished, and clear verbal and written communication skills
- Able to work effectively in a collaborative team environment
- Customer-centric attitude

Requirements:
- Minimum of 5-7 years’ experience in mortgage loan underwriting
- FHA Direct Endorsement certification
- VA LAPP certification preferred, but may be trained and obtained after 90 days of service
- Lender system Encompass knowledge preferred

Interested applicants please respond with cover letter and resume.


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About this company
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Sente Mortgage is a Texas owned and operated mortgage bank. We believe that homeownership should be part of our clients’ smarter money...