DE Underwriter

JOB DESCRIPTION

WHY IS THIS A GREAT OPPORTUNITY?

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A great opportunity for a DE Underwriter to join a tenured team!

JOB DESCRIPTION

A mortgage servicer located in Ohio, seeks an experienced DE Underwriter to join their dynamic team. The Underwriter will be responsible for loan-level quality assurance by reviewing loan files and analyzing and reporting on credit worthiness. 

•Review and audit loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents
•Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors. Determining and documenting loan conditions and communicating requirements and/or decisions.
•Adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations. Identifies portfolio risks resulting from client's underlying business practices, underwriting, and/or fraud exposure.
•Actively support the decisions and respect the knowledge of supervisors and colleagues by sharing information about the department, business unit, organization and the underwriting industry.
•Participate in identifying potential challenges within the underwriting process and/or department and makes recommendations for changes to improve

QUALIFICATIONS

A well-qualified candidate will possess the following:

• A minimum of 10 years of underwriting experience, with significant manual underwriting experience.
• Strong understanding of traditional mortgage origination and underwriting practices.
• Must be DE Certified.
• USDA and FHA Underwriting experience is a MUST.
• A working knowledge of Fannie Mae and Freddie Mac Guidelines.
• Excellent analytical, problem solving and negotiation skills.
• Effective written and verbal communication skills.

EOE/M/F/D/V

Total Years of Experience:
9-10+