Underwriter Plaza Home Mortgage, Inc. -
National, WV
The Underwriters job is to review and verify all documents, render a loan decision to comply with investor, agency and secondary market guidelines. This position is also expected to communicate with clients and account executives upholding the highest level of customer service, knowledge of guidelines and products, as well as effectively communicate all decisions (approval, suspense, denial).
Primary tasks/responsibilities include:
Underwriting Mortgage loan files
Evaluate loan level risk and establish final loan decisions
Updating data in LOS
Reviewing incoming documentation and confirming data integrity
Reviewing and analyzing appraisals, title reports, purchase contracts, etc…
Making decisions based on FHA’s and proprietary underwriting guidelines
Issuing loan approval, counter offers, or denials
Sign-off on all loan level conditions
Maintain contact with investors and agencies to obtain required information and/or documentation
Assist in training new team members, brokers and account executives
Required Experience and Education:
High School Diploma/GED – College Degree Preferred.
Minimum 5 + years as a Mortgage Underwriter or equivalent underwriting experience.
Thorough knowledge of financial analysis techniques.
Comprehensive understanding and knowledge of residential lending guidelines.
Knowledge of the mortgage origination process, policies, and procedures.
PC literate with knowledge of Microsoft Office software and statistical appraisal software.
Ability to train and motivate junior level staff
FHA/DE/DU/LP required
VA Automatic/LAPP approval a plus
Required Skills :
Must be detail-orientated.
Have the ability to work independently (as well as part of a team)
Have excellent analytical & communication skills (both verbal and written)
Be comfortable working in a fast paced environment with the capability to prioritize and multi-task.
Plaza Home Mortgage, Inc. - 12 months ago
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