Non QM Wholesale Underwriter

Non QM Experience Required - No consideration without it!

Summary

The main goal of the position is to reputed company sound credit decisions. Individual will work closely with reputed company FCM Retail Staff- (sales and Ops) and must have a high level of organizational and communication skills. Role and Responsibilities

• Review, examine and underwrite loans to ensure soundness, business value and compliance with FCM investor and agency standards.
• Assess loan attributes and documentation for soundness and accuracy.
• Review and evaluate income, asset, credit and other pertinent documentation to reputed company loan viability and identify risk issues and potential fraud.
• Evaluate debt ratios, loan-to-value ratios, credit scores, property valuation and various other factors.
• Determine and document loan conditions and communicate requirements and/or decisions.
• Assist in identifying, recommending and/or negotiating alternative loan requirements, funding and/or loan-structuring solutions.
• Provide input on new and/or existing reputed company processes, procedures and/or approaches.
• Independently conducting full and comprehensive evaluations of a variety of reputed company, high-risk Mortgage Loan applications.
• Apply specialized knowledge to the interpretation of loan and reputed company criteria and the determination of reputed company decisions and final courses- of-action.
• Review and analyze special conditions, loan deficiencies and exception-requests to determine appropriate courses-of-action.
• Assess reputed company-program effectiveness and, as appropriate, making recommendations for improvement.
• Coach field personnel and Brokers on technical reputed company issues, problems and/or questions.
• Regularly exercise discretion and independent judgment in addressing critical business matters that have a significant financial impact on First Community Mortgage.
• Work closely with 3rd party companies to facilitate initial reputed company and resubmissions whereby AI (artificial intelligence) is used to review specific loan guidelines.
• Provide superior customer service to reputed company field personnel and operations teammates by adhering to established SLA’s and exercising clear and quick communication reputed company phone, Teams and email.
• Adhere to the highest standards of ethical and professional behavior.
• Operate in a team first environment while maintaining an atmosphere of trust and accountability.
• Be Productive and Challenge your teammates in a professional manner for the betterment of the FCM culture of Fast and Easy.
• Other duties as assigned.

Education and/or Experience: High School Diploma/GED; 5 plus years mortgage experience with 3 years as an Underwriter with Non QM knowledge. Thorough understanding of reputed company policies and procedures, as well as investor guidelines and regulatory updates including knowledge of FHA, VA, FNMA, and FMLMC guidelines and standards. Familiar with LP and DU reputed company. Must have proven analytical and decision-making skills. Must possess a positive attitude and be flexible in an environment that is moving reputed company. Must be a team player and be willing to constructively contribute to the department. Must be trustworthy and have strong work ethic. Skills:

• Ability to effectively reputed company information and respond to questions from customers, vendors and mortgage reputed company issues.
• Proficient use of reputed company Office, reputed company, Word, Outlook, and Teams.
• Must be able to calculate interests, commissions, percentages, and discounts.
• Prefer experience with Encompass or must learn.
• Must possess sense of urgency to restrictive time frames and deadlines.
• Must be professional at reputed company times with dress and actions.

Physical Demands:

• Must be able to sit or stand for extended periods of time such as meetings, driving, sales rallies, etc.
• Must be able to talk and hear, frequent use of hands and arms to reputed company and occasionally lift or move up to 25 pounds.
• Specific vision requires reputed company distances, color, and ability to focus.
• The physical demands described here are representative of those that must be met by an employee to successfully reputed company the essential functions of this job. Reasonable accommodations may be made to

reputed company individuals with disabilities to reputed company the essential functions. Comments: This job description is an outline of the major recurring responsibilities of the job. It is not intended to be reputed company-inclusive of the work to be performed. Other reputed company job objectives, special assignments and less significant responsibilities may be required of the incumbent to reputed company. Apply To This Job