Underwriter

Compensation: USD 70,000 - USD 80,000 - yearly Company Description JoinourgrowingteamandbepartoftheTopNon-QMLenderintheBusiness Weareknownforclosing mortgageloanswith Speed, Ease,and Convenience Licensedin46States,weprovidebrokerswithafullsuiteofmortgageproducts,includingVA,FHA,FNMA, &FHLMC HomeX also has a great company culture, tremendous growth opportunities, and competitive employee benefits Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel! Job Description ESSENTIAL DUTIES AND RESPONSIBILITIES: Clear conditions, including but not limited to credit and title conditions Prep loan files for review by an Underwriter to determine eligibility within HomeXpress’ guidelines Assisting Underwriters as needed to move pipeline in a forward trajectory Verify completeness of credit file Calculate income Confirm qualified Change of Circumstances and reprice loans as needed Run reports and interact with various third-party vendors Job Functions: Capable of underwriting a minimum of 3-4 new loans per day. Review conditions in a timely manner to remain in compliance with posted turn times. Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines. Review Income documentation and calculate income per investor and company guidelines. Review Assets to determine reserves and cash to close per investor and company guidelines. Required Knowledge: Conforming and Non-QM Underwriting Guidelines Excellent interpersonal, customer service and organizational skills High level math aptitude Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment. Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions. Superior knowledge of personal computers and applicable software. Job Type: Full-time Pay: $70,000.00 - $80,000.00 per year 401(k) matching Health insurance Paid time off Vision insurance Schedule: Monday to Friday Experience: Wholesale Underwriting: 1 year (Required) Non-QM: 2 years (Required) Additional Information All your information will be kept confidential according to EEO guidelines. #J-18808-Ljbffr