Underwriter

ESSENTIAL DUTIES AND RESPONSIBILITIES:Clear conditions, including but not limited to credit and title conditionsPrep loan files for review by an Underwriter to determine eligibility within HomeXpress’ guidelinesAssisting Underwriters as needed to move pipeline in a forward trajectoryVerify completeness of credit fileCalculate incomeConfirm qualified Change of Circumstances and reprice loans as neededRun reports and interact with various third-party vendorsJob Functions:Capable of underwriting a minimum of 3-4 new loans per day.Review conditions in a timely manner to remain in compliance with posted turn times.Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.Review Income documentation and calculate income per investor and company guidelines.Review Assets to determine reserves and cash to close per investor and company guidelines.Required Knowledge:Conforming and Non-QM Underwriting GuidelinesStrong verbal & written communications skillsStrong problem solving skillsExcellent interpersonal, customer service and organizational skillsHigh level math aptitudeAbility to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.Superior knowledge of personal computers and applicable software.Job Type: Full-timePay: $70,000.00 - $80,000.00 per yearBenefits:401(k) matchingDental insuranceHealth insurancePaid time offVision insuranceSchedule:Monday to FridayExperience:Wholesale Underwriting: 1 year (Required)Non-QM: 2 years (Required)Work Location: In person