Underwriter US Mortagage

Job Description:

1. Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company.
2. Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
3. Provides final approval underwriting of mortgage loans – Conventional, Correspondent, FHA, VA, Reverse.
4. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.
5. Sign off conditions in a timely manner set by management.
6. Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit’s policies and practices.
7. Manage loans by using all functions of Encompass.
8. Effectively communicate underwriting decisions with processors and advisors
9. Maintain high level of customer service and communication with other departments