Non Agency Underwriter - Remote | WFH

Company Mission

We are a Nationwide Mortgage Banker founded by proven industry leaders, dedicated to bringing a legacy of success and ambition to the Mortgage Banking industry. Our core business philosophy is rooted in a commitment to extraordinary service, honesty, and clear communication. Our team consists of highly experienced professionals who aim to exceed partners' expectations by combining innovative technology, a wide array of products, and competitive pricing to support the growth and development of our network of originators.

Position Summary

As a Non-Agency Underwriter, you will be responsible for a variety of mortgage loan documentation duties on conforming and complex loan packages. This role requires a comprehensive understanding of policies and procedures for loan products, and involves underwriting mortgage loan applications to maximize organizational profit while minimizing risk. Your extensive experience and judgment will be essential in planning and accomplishing our goals.

Specific Duties And Responsibilities

• Review and analyze loan applicants' credit histories, financial statements, and other financial information to make quality decisions on loans
• Collaborate with team members to identify potential solutions/exceptions for denied loan files
• Interpret and analyze complex tax returns and financial documents
• Stay current with program changes and new program guidelines, implementing changes in daily production with minimal error
• Provide superior customer service to both internal and external customers
• Maintain knowledge of available loan products and stay updated on program and investor guidelines
• Adhere to confidentiality standards as outlined by security policies
• Mentor underwriting team members as needed
• Utilize DU and LP underwriting systems
• Use a computer to enter, access, and retrieve financial data
• Develop and maintain constructive and cooperative working relationships with others
• Actively participate in discussions to help the department run more efficiently
• Be willing to work overtime as required
• Perform other duties as assigned
  
  

Preferred Qualifications And Experience

• A minimum of two years of mortgage loan underwriting experience
• Extensive knowledge and experience with DU and LP underwriting systems
• Ability to underwrite in a production environment involving minimum quotas
• Thorough understanding and familiarity with FNMA and FHLMC guidelines and a complete knowledge of loan products
• Ability to maintain quality control standards while meeting production expectations
• Professional verbal and written communication skills via email, mobile devices, and in person, utilizing proper spelling, composition, and grammar
• Ability to multi-task, prioritize responsibilities, and work well under pressure with minimal supervision
  
  

Physical And Work Conditions

This role operates in a standard office environment with typical office equipment and tasks, including work at a computer terminal. The position involves partial sitting and walking throughout the day. Employees must be open to working overtime to complete assigned tasks.

We are dedicated to providing an environment where innovative technology and a wide array of products meet competitive pricing to support the growth and development of our network of brokers. Join us in revolutionizing the mortgage banking industry with a commitment to excellence and innovation.

Employment Type: Full-Time