Job Details

ID #2678446
Estado New Jersey
Ciudad Mtlaurel
Full-time
Salario USD TBD TBD
Fuente Freedom Mortgage
Showed 2019-09-04
Fecha 2019-09-04
Fecha tope 2019-11-03
Categoría Etcétera
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Government Underwriter - Retail

New Jersey, Mtlaurel 00000 Mtlaurel USA

Vacancy caducado!

Government Underwriter - Retail

Job ID:4291

Functional Area:Underwriting

Employment Type:Full Time

Location:Mt Laurel, NJ

Department:Ops: Underwriting

Relocation Provided:No

Email a FriendSaveSaveApply NowPosition Description:(Position may be remote)As a member of our Retail DE Underwriting team, will be responsible for underwriting residential loans for our Call Center Retail department ensuring compliance with appropriate company, secondary market investor standards and all applicable laws. The DE Underwriter will be responsible for examining loan documentation for accuracy and completeness. Must be able to underwrite loans within the company and industry guidelines. The DE Underwriter will also be working with Loan Officers and Processors to secure all required documents.Essential Job Functions:

Underwrites FHA 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 all 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 all 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 underwriting systems (DU, LP)

Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity

Maintains pre-established service level standard of decisions within a 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 a fast paced ever-changing environment.

Supervisory Responsibilities:This job has no supervisory responsibilitiesQualifications:To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonableaccommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

DE certification required

Appraisal review and tax return analysis skills required

Experience with repurchase response and/or rebuttal review and response preparation

Secondary market experience a plus

Understanding of TRID, 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, Microsoft Office and Excel. Ability to adapt/ learn/utilize multiple software programs. Experience with paperless environment preferred.

Ability to type/use a keyboard with sufficient speed and accuracy to meet job demand

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:

Minimum 5 years of current frontline mortgage DE Underwriting experience required

Language Skills:Ability to read and comprehend instructions, correspondence, memos, and work place policies. Ability to analyze, interpret general business periodicals, professional journals, procedures and governmental regulations. Ability towrite 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 tocustomers, students, 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, andproportions 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 validconclusions.Certificates, Licenses, Registrations:

ACTIVE CHUMS ID DE 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 within the department.Freedom Mortgage is a privately held, full-service residential mortgage lender licensed in all 50 states, Washington D.C., Puerto Rico and the Virgin Islands. We are one of the largest and fastest-growing privately held mortgage companies in the country, as well as a top 5 residential lender in the USA. Freedom Mortgage currently services more than 225 billion dollars in loans. And we are continuing to grow! Freedom Mortgage is proud to be recognized by Inc. Magazine’s, Inc. 5000 rankings for the fastest growing private firms in the nation for six consecutive years (2013-2018).Freedom Mortgage has over 4000 employees and offices nationwide. Locations include suburban Philadelphia (we have multiple sites in Southern New Jersey) and Fishers, IN, two regions where we were named Top Workplaces (The Indianapolis Star named Freedom Mortgage at Top Workplace four years in a row). We also have large operating centers in Melville, NY; Jacksonville, FL; San Dimas, CA; and Tempe, AZ; and Columbia, MDFreedom Mortgage team members enjoy our total rewards program, including excellent benefits, perks, business casual dress, rewards programs, training, development and career opportunities. Community spirit is one of our shared values and Team Freedom Cares is our philanthropic arm helping us get involved in the communities in which we operate. Learn more about us and apply!Freedom Mortgage Corporation is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to age, race, color, religion, gender, sexual orientation, national origin, or their status as a protected veteran or an individual with disabilities. Local applicants encouraged to apply. Employment contingent upon successful completion of background investigation. Smoke-free workplace. Drug-free work environment. Excellent benefits package including medical, dental, vision and 401(k). All resumes are held in confidence. Only candidates whose profiles closely match requirements will be contacted during this search. LENDER NMLS ID:2767Equal Opportunity Employer- Minorities/Females/Disabled/Veterans

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