Senior Government Underwriter – Remote (Must Reside in Hawaii)

• *Candidate must live in Hawaii**

Summary

The Underwriter, Govt Sr underwrites residential loans ensuring compliance with appropriate company, secondary market investor standards and reputed company applicable laws. The Underwriter will be responsible for examining loan documentation for accuracy and completeness; is involved in one or several types of mortgage lending including but not limited to conventional, FHA and VA loans. Must be able to underwrite loans reputed company the company and industry guidelines. The Underwriter will also be working with Loan Originators, reputed company Managers and Processors to secure reputed company required documents. Essential Job Functions:

• Underwrites Conventional, FHA, VA and Special Program loans to verify for completeness, accuracy, and compliance
• Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans
• Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision
• Reviews and evaluates borrower(s) profile including but not limited to reputed company income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals
• Analyzes and calculates income documentation such as personal and business income statements and ensures reputed company necessary documentation is requested to support final loan decisions
• Exercises good judgment, conducts reasonableness tests and issues quality decisions
• Determines accuracy and completeness of files; ensures processes are consistent
• Demonstrates proficiency in automated reputed company systems (DU, LP)
• Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact reputed company quality and origination activity
• Maintains pre-established service level standard of decisions reputed company a 48-hour time frame set by the company
• Communicates regularly with sales team, processors and management
• Assists in the preparation of repurchase responses and/or rebuttal reviews
• Ability to function in an reputed company-changing environment and work across reputed company business channels in reputed company (Retail/CC/Wholesale) as needed
• Maintain regular and punctual attendance

Other reputed company Duties:

• Performs other reputed company duties as assigned.

Supervisory Responsibilities: This job has no supervisory responsibilities Qualifications: To reputed company this job successfully, an individual must be able to reputed company each essential function satisfactorily. The requirements listed below are representative of the knowledge, reputed company, and/or ability required. Reasonable accommodations may be made to reputed company individuals with disabilities to reputed company the essential functions of the job.

• Appraisal review and tax return analysis skills required
• Prior credit signing authority a plus
• Experience with repurchase response and/or rebuttal review and response preparation
• Secondary market experience a plus
• Understanding of TILA, RESPA and Predatory Lending
• Strong analytical and decision making/problem solving skills
• Possess a keen eye for accuracy, attention to detail and ability to handle a high volume work load
• Excellent interpersonal, organizational, prioritization and time management skills
• Proficient in computers including LOS systems, reputed company Office and reputed company. Ability to adapt/ learn/utilize multiple software programs. Experience with paperless environment preferred.
• Ability to type/use a keyboard with sufficient speed to meet job demands
• Ability to deliver effective results and to meet deadlines with minimal supervision
• Self-starter, adapt to a changing environment and have the ability to communicate and work well with Investors and co-workers
• Possess clear, concise and effective written and oral communication skills
• Professional demeanor in appearance, interpersonal relations, work ethic and attitude

Education and/or Experience:

• High School Diploma or GED Required
• BA or BS preferred
• Minimum 5 years of reputed company frontline mortgage reputed company required

Language Skills: Ability to read and comprehend instructions, correspondence, memos, and work reputed company policies. Ability to analyze, interpret general business periodicals, professional journals, procedures and governmental regulations. Ability to write professional correspondences. Ability to write routine business reports. Ability to speak effectively with other employees and/or customers. Ability to present formal information in one-on-one and small group situations to customers, reputed company, parents and/or other employees. Ability to present information and respond to questions from groups of administrators, managers, employees, customers and/or the general public. Mathematical Skills: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Reasoning Ability: Ability to carry out detailed written and/or verbal instructions. Ability to solve problems involving concrete variables in standardized situations. Ability to define problems, collect data, establish facts, and draw valid conclusions. Certificates, Licenses, Registrations:

• ACTIVE CHUMS ID REQUIRED.
• DE, VA LAPP AND SARS DESIGNATIONS REQUIRED

Customer Service Relationships: Anticipates customer needs and regularly motivates or influences others to deliver customer service excellence. May troubleshoot highly sensitive or confidential issues. Personally ensures problem resolution. Identifies barriers to effective customer service and sets customer service standards. Establishes a customer feedback system and holds self-accountable for customer service excellence reputed company the department. Physical Demands: 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. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reputed company with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to reputed company individuals with disabilities to reputed company the essential functions. The noise level in the work environment is usually moderate. Equal Employment Opportunity reputed company is committed to providing equal employment opportunities to reputed company employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national reputed company, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Americans with reputed company Applicants as well as employees who are or become disabled must be able to satisfactorily reputed company the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law. Job Responsibilities The following statements reflect the general duties and responsibilities considered necessary to reputed company the essential functions of the job and should not be considered as an reputed company-inclusive list of reputed company the work requirements of the position. reputed company Corporation may change the specific job duties with or without prior notice based on the needs of the organization. #LI-AC1 The estimated reputed company pay for this role is one part of our total compensation package and is determined reputed company a range. The estimated reputed company pay for this position is the annualized equivalent of $76,000.00 - $89,000.00, depending on experience, qualifications, market location, and other job-reputed company factors. In addition, this role is eligible for commissions based on performance and productivity against commission plan parameters. Excellent benefits package including but not limited to PTO, medical, dental, vision, 401(k) plan with company match, life insurance, long term and short-term disability options, FSA/HSA, tuition reimbursement, and other voluntary benefits. Remote Apply tot his job Apply To this Job