Underwriter II

Job Description Summary As an Underwriter II working for Taylor Morrison you will be responsible for the thorough review of in-house loans and pre-submission reviews of externally underwritten loans and ensuring that all loans are underwritten according to agency and investor guidelines. Promotes excellent customer service and related activities, and works with Management, Loan Consultants, Client Coordinators and Closers. Job Details We trust that as an Underwriter II you will: (responsibilities) Responsible for determining and issuing the credit decision of FHA and conventional, conforming, high balance and super-conforming mortgage loan applications (up to a maximum loan amount of $424,100 or regional conforming loan amounts for conventional loans and FHA loan limits as published) according to agency and lender guidelines Assess the borrower(s) ability to repay, including validation of the borrower(s) employment, income, credit, assets and collateral as well as clearing any applicable underwriting conditions Complete reviews of loans that will be underwritten as a prior-approved loans with the company’s investors and providing feedback to Client Coordinators and Loan Consultants Maintain up to date knowledge of all agency and investor underwriting guidelines and credit overlays Provides high quality customer service, including underwriting to the companies service level expectations You are willing to perform other duties as assigned What you will need: (competencies, behaviors & attributes) Customer Focused Dependability/Creativity High Energy Level Integrity/Honesty Responsive Self-Starter About you: (requirements) Bachelor’s degree and a minimum of 2 years underwriting experience Must hold a FHA Direct Endorsement Certification Have a thorough and comprehensive understanding of all FHA, FNMA and FHLMC underwriting guidelines and investor overlays Possesses solid working knowledge of subject matter Automated underwriting software required Must be proficient in reviewing and analyzing all levels of individual and business income tax returns FLSA Status: Non-Exempt Will have responsibilities such as: This position is considered a non-exempt position for purposes of wage-hour law, which means that you will be required to keep a time record and will be eligible for overtime pay. Essential Functions: Successful job applicants will be able to perform these functions. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions. Report to Division/Corporate Office/Community daily and adhere to schedule Ability to access, input, and retrieve information from a computer and/or electronic device Ability to have face to face conversations with customers, co-workers and higher level manager Ability to sit or stand for long periods of time and move around work environment as needed Ability to operate a motor vehicle if applicable Comply with company policies and procedure Physical Demands: Must be able to able to remain in a stationary position up to 50% of the time *Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement. Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job. Benefits of Working With Taylor Morrison We are looking for dedicated professionals that share our values of putting the customer - and their needs - first. In addition to a great team atmosphere, career development and advancement opportunities, we offer full-time employees an extensive benefits package, to include: Competitive Compensation Health Care - Medical/Dental/Visio​​n/Prescription​​ Drug Coverage 401(k) with Company Matching Contributions Flexible Spending Accounts Disability Programs Employee & Dependent Life Insurance Vacation & Company Holidays Tuition Reimbursement Employee Home Purchase Rebate Program Home Mortgage Program Employee Assistance Program (EAP) Taylor Morrison