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Remote Mortgage Underwriter
Georgia
Atlanta Metro Area
Mortgage Processing
JN -022020-104487
Administrative

If you are interested in analyzing and evaluating all aspects of a loan application and determining whether an applicant should be administered a loan, read on--this might be for you!


You don’t want to miss out on this fast-growing employer!


Five Things Our Employee Handbook Won’t Tell You


Why you want this job: Our people take ownership of their work to deliver excellent service.


License plate you’ll need to buy: #1MORTGE.


Keep walking if: Being analytical isn’t your idea of a fun time.


Bonus points for: Working experience with one or more underwriting systems (DU preferred).


Mega bonus points for: Familiarity with secondary market requirements.  


Because Life is Better with Bullet Points


Job Duties & Responsibilities

  • Analyze and evaluate all aspects of borrowers’ credit, risks, and offsets, employment, income, and asset profiles to arrive at a loan decision for approval, suspense, counteroffer, or denial
  • Underwrite mortgage loans and process customer information in compliance with appropriate regulations
  • Interact with staff regarding credit decisions on mortgage loans; effectively re-work resubmitted applications; queue workloads; make decisions on turn-around levels
  • Render an underwriting decision and subsequent clearing conditions to ensure HFC credit policy and procedures are met
  • Provide assistance to less experienced underwriters on unusual situations, exceptions, and override requests
  • Underwrite FHA/VA, state housing and specialty programs in accordance with requirements dictated by the Department of HUD; Veteran Affairs; and appropriate state housing agencies
  • Ensure the accuracy of all necessary criteria for specific loan types, products, rates and fee structures
  • Ensure that all credit and appraisal documentation meet the necessary requirements and are completed properly
  • Monitor underwriting staff pipeline to ensure timely underwriting turnaround times

Skills & Requirements

  • 4 years’ experience as a mortgage underwriter for all loan types and Encompass LOS experience
  • Minimum high school diploma or GED
  • Proven ability to build and maintain relationships with MLOs, Division and Branch Managers, and other customers
  • DE and SAR/LAPP certified
  • Must be able to manually underwrite FHA loans