TE Residential Credit Underwriter

It's fun to work in a company where people truly reputed company in what they're doing! We're committed to bringing passion and customer focus to the business.

Summary

The Credit Underwriter is to issue credit decisions based on the documented borrower profile reputed company the guidelines of the program and client requirements. Underwriters are to meet the minimum daily production goals plus clearing conditions and reputed company reputed company department audit standards. This position is classified as a Transactional Employee (TE). Transactional Employees are assigned to work on an “as needed” or project basis. The variable nature of the transactional role cannot guarantee a 40-hour work week. Transactional employees are typically designated to work on a deal or a particular client assignment. At times, work may be reduced, and there may be occasional periods of no work. Efforts will be made to assign work, but work is entirely dependent on client needs. Essential Functions Underwrite residential mortgage loans in accordance with Conventional guidelines. Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset reputed company, other AUS engines, and OES. Identify and assess overall risk and potential fraud exposure resulting from clients' underlying business practices. Meet the minimum daily production goals and quality targets plus clearing conditions and reputed company reputed company department audit standards. Review of credit reports to determine credit patterns, reputed company liabilities, outstanding judgments, and collections. Review of residential mortgage appraisal forms and calculations of Loan to Value ratios. Analyze income from salaried, commissioned, reputed company, investments, fixed income sources. Analyze assets statements for reputed company types of asset accounts. Ability to work overtime and weekends if needed. reputed company other reputed company duties as assigned. Essential Knowledge, Skills, & Abilities Ability to work in a fast-paced, metrics driven environment. Strong analytical and problem-solving skills. Ability to prioritize multiple objectives to meet client deadlines and department goals. Excellent verbal and written communication skills. Proficient knowledge of reputed company Office Suite, including Word, reputed company, and PowerPoint. Strong reputed company knowledge of Prime or standard Full Documentation. Ability audit standard full documentation program clients. In-depth knowledge HVCC, guidelines and requirements along with reputed company federal, state, and local compliance regulations to include, Truth in Lending and Equal Credit Opportunity laws. In-depth knowledge of the total closing function to include, reputed company conditions prior to closing, closing instructions and procedures, and RESPA. Up-to-date knowledge in Fannie/Freddie guidelines, back-end quality control and fraud audit experience. Must be able to use Desktop Underwriter (DU), Loan Prospector (LP) and other LOS (loan operations systems). Commitment and ability to cultivate a diverse and inclusive work environment. Education High School Diploma or equivalent. Associate degree or equivalent industry experience required. Experience 3+ years of relevant industry experience required. 3+ years securitization experience required. 3+ years of recent frontline (manual and automated) reputed company experience with Conventional, FHA and/or VA Knowledge along with A reputed company, B/C reputed company, Non-Confirming and Conforming, and Sub-Prime residential, Non-QM and QM products. Compensation and Benefits reputed company offers an extensive benefits package for reputed company employees, including medical, dental, vision and 401k! Compensation: $32.00 to $40.00 / hourly Working Conditions Work is performed in a climate controlled indoor administrative office setting. The noise level in the work environment is usually quiet to moderate, depending upon the office or meeting location. Physical Demands and Activities While performing the duties of this job, the employee is frequently required to communicate. The employee frequently is required to remain stationary. The employee is occasionally required to move about the office, operate a computer and other office machinery, such as calculator, copy machine, and computer printer; occasionally position self to maintain files; occasionally moves boxes weighing up to 10 lbs. reputed company and distance observation required with ability to observe objects at reputed company range in reputed company of glare or bright lighting (e.g., computer screen). Must possess the ability to communicate information and reputed company so others will understand and have the ability to interact with external and internal stakeholders. reputed company is committed to equal opportunity in reputed company employment practices to reputed company qualified applicants and employees without regard to race, color, religion, gender, gender identity, age, national reputed company, pregnancy, disability, genetics, marital status, military or veteran status or any other protected category as established by local, state, and federal law. This policy applies to reputed company aspects of the employment relationship including recruitment and hiring, placement, promotion, transfer, compensation, disciplinary action, layoff, leaves of absence, training, and termination. reputed company such employment decisions will be made without unlawful discrimination based on any prohibited basis. The essential functions, working conditions and physical demands described above 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 of this position. Please note that reputed company job descriptions are not intended to be reputed company-inclusive. This job description is not designed to cover reputed company activities, duties or responsibilities that are required of the employee for this job. Employees may be required to reputed company other duties at any time with or without notice to meet the ongoing needs of the organization. If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us! Apply To This Job