Senior Underwriter

Purpose: Analyze and evaluate residential loan applications in accordance with industry and business standards to maximize credit and minimize risk and potential loss.  Interpret financial, credit and collateral information in such a way to ensure agency and investor guidelines have been met. Work with originators, processors, and other team members to communicate underwriting decisions, clarifications, and guidelines.

Duties:

  • Underwrite conventional, FHA, VA, USDA, bond and jumbo loans.
  • Review and clear approval conditions.
  • Work with processing and sales to communicate underwriting decisions and answer questions regarding guidelines.
  • Stay up to date with company policies and agency/investor guidelines.
  • Answer UW Scenario questions as needed
  • Complete post-Clear to Close adjustments/updates.
  • Review initial loan submissions for completeness of initial loan submission requirements and communicate with loan processors to address deficiencies.
  • Work with loan processors/officers on questions regarding loan conditions, procedures, and loan status.
  • Complete continuing education as required by LSM.
  • Work with Jr underwriters to help expand their knowledge and improve their performance.

Qualifications:

  • 5+ years of mortgage underwriting experience
  • FHA DE Approval
  • Strong analytical skills including analyzing complex data.
  • Excellent verbal, written, and interpersonal communication skills.
  • Ability to interact with all levels of an organization.
  • Experienced in Word, Excel, Outlook, and Encompass
  • VA SAR/LAPP/Automated Credit approval, USDA, and bond loan experience preferred

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