General Purpose:  Underwrite loans for successful transaction and sale. 

Essential Duties and Responsibilities:

  • Underwrite Conventional, USDA and FHA loans within company, investor and industry guidelines.
  • Maintain a current knowledge of loan programs.
  • Analyze and issue credit decisions.
  • Review and make informed decisions on financial statements, credit reports and applicable ratios (i.e. DTI and LTV).
  • Evaluate/examine transactions to ensure accuracy and completeness.
  • Ensure documents are consistent and
  • Identify red flags on documentation.
  • Assist with restructuring of loans based on lending guidelines.
  • Gather information from agency material to make appropriate decisions.
  • Assign and sign off on appropriate loan conditions.
  • Assist Processing Department with problematic files to expedite submissions.
  • Effectively be able to explain rationale behind credit decision to internal customers and/or auditors.
  • Analyze risk appropriately by assessing property information including; purchase contract, escrow instructions, and preliminary title report.
  • Answers program guideline and borrower qualification questions from loan consultants and processors.
  • Communicate effectively with internal staff to maintain high level of customer service.
  • Proficient in DU (Desktop Underwriter) and LP (Loan Prospector) Programs.
  • Learn how to underwrite VA loans and acquire SARS certification.
  • Calculate income from salary, self-employed and corporate W2s.
  • Able to complete 4 – 6 loans per day.
  • Adhere to department turnaround standard of 24 – 48 hours.
  • Perform other related duties as assigned and required.

       Education and/or Experience/Licenses and/or Certificates:     

  • High school diploma or general education degree (GED)
  • 4 or more years of successful professional experience within the mortgage lending industry preferred.
  • 1 -3 years of successful Conventional underwriting required.
  • Valid and current FHA Direct Endorsement (DE) and VA certification perferred.
  • Proficiency in DU (Desktop Underwriter) and LP (Loan Prospector) Programs

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