The Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.

Job Functions and Responsibilities:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

• Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors
• Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor, company, VA and FHA guidelines
• Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
• Provides final approval underwriting of mortgage loans.
• Completes all required paperwork and forms in a timely and accurate manner; prepares required forms
• Sign off conditions in a timely manner set by management
• Work with staff and management to find solutions on escalated loans
• May be requested to make recommendations for improving Internal Audit’s policies and practices
• Manage loans by using all functions of Encompass
• Effectively communicate underwriting decisions with processors and advisors
• Maintain high level of customer service and communication with other departments
• Other duties as assigned

 Qualifications:

To perform this job successfully, an individual must have the following education and/or experience:

• Two to four years related experience or equivalent, DE Underwriter as well as VA Credit and Appraisal authority required
• Must have mortgage industry experience.
• Thorough working knowledge of real estate documentation, policies, compliance, and procedures
• High level of proficiency with mortgage loan processing and underwriting systems
• Commitment to excellence and high standards
• Excellent written and oral communication skills
• Strong organizational, problem-solving, and analytical skills
• Ability to manage priorities and workflow
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm
• Acute attention to detail
• Proficient on computer programs required for position
• Excellent customer service skills
• Proven ability to handle multiple projects and meet deadlines
• Good judgment with the ability to make timely and sound decisions
• Ability to effectively present information and respond to questions
• Bilingual Spanish a plus

 Training/Licensing Requirements:

• Must pass the Company’s Background Screening process prior to beginning employment.  Additionally, as a condition of employment, you may be required to pass client-specific background check requirements or Federal/State licensing requirements, if applicable.

Work Schedule: 

• Work hours are 8 am to 5 pm PST Monday through Friday.  

The salary range for this position is expected to be $85,000 to $105,000 depending on geographic location, experience, and other qualifications of the successful candidate. 

#PHH