Mortgage Underwriter

Locations 5426 Bay Center Drive Tampa, FL 33609, USA Full-Time Requisition #: MORTG004564 Description Founded in early 2008, Fay Servicing is committed to providing innovative servicing solutions for both residential and business purpose loans. As a specialty mortgage servicer who sees the customer behind every loan, we understand that our customers are not loan numbers — they’re homeowners. Before founding our company, we conducted an exhaustive analysis of the mortgage servicing industry and gained valuable insight into the problems facing mortgage servicers and their customers. With that insight, we set out to build a different kind of servicing company from the ground up. Join us on Our Journey Come join us on our journey to serve our customers and be the leader in our industry! We are currently looking for a Mortgage Underwriter to join our team! Reporting to the VP, Mortgage Operations, this role is responsible for evaluating and making sound credit recommendations for borrowers seeking residential investment financing. The position involves thorough loan reviews and underwriting in alignment with company guidelines, playing a critical role in safeguarding the quality of the company’s asset portfolio and minimizing financial risk. The role is responsible for performing a comprehensive analysis of borrower creditworthiness, financial standing, investment history, and collateral attributes. This role ensures that all credit decisions and property financing approvals adhere to Genstone Financial, dba Fay Servicing, underwriting standards and investor purchase criteria. Additionally, the position is accountable for meeting all Service Level Agreements (SLAs) established by the company. Qualifications include: High school diploma or GED required; Bachelor’s degree preferred 2+ years’ mortgage loan underwriting experience Comprehensive knowledge of FHA/FNMA/FHLMC/VA/USDA guidelines and standards Proven ability to review, analyze, and calculate qualifying income documentation from personal and business tax returns, property, credit, and assets/cash to close Knowledge of and experience with DU (Fannie Mae) DO (or LP for Freddie Mac), and GUS (USDA) guidelines and automated underwriting systems Prior experience collaborating and working effectively with sales/ account executives Experience with the Encompass LOS system is highly preferred Strong knowledge and proficiency with Microsoft Outlook, Word, and Excel Strong verbal and written communication skills Strong interpersonal skills with the ability to effectively manage through conflict Strong analytical skills and problem-solving abilities Solid decision-making abilities coupled with sound judgment Strong time management skills; ability to prioritize numerous tasks and manage shifting priorities Self-motivated; ability to work well independently Client-focused with strong execution skills and results orientation High level of precision with attention to detail and consistency in correspondence and work product Strong research skills, thorough approach Flexible, open to change, and able to learn new things quickly Ability to work in a collaborative environment; responsive to others Submit Your Resume to Learn More Featured Benefits Medical, Dental and Vision Insurance Company Paid Life Insurance Disability Insurance Pet Insurance 401k Program with Employer Matching Paid Holidays Wellness Initiatives Employee Assistance Program Eligible for Hybrid Work Schedule with Remote Flex Days Compensation The hiring range for this position is $75,004.80 annually This position is eligible for an annual discretionary bonus Fay Cares! The Fay-Constructive Foundation was established to fulfill the philanthropic mission of The Fay Group employees to serve the communities in which they live and work. Our employees make voluntary contributions to the Foundation. Each quarter, their contributions are donated to organizations focused on improving education opportunities, combating poverty, and supporting military service members and first responders. At Fay, we believe that the best ideas come from having a team that is diverse in backgrounds, experiences, and perspectives. We strive to ensure each of our employees feels valued, respected, and included, and is presented with equal opportunities to be successful. Fay is an equal-opportunity workplace. The Fay Group and affiliated companies participate in E-Verify. For more information, go to . Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr Genstone Companies