UNDERWRITER

Summary: The Underwriter is responsible for providing efficient, timely, consistent, accurate quality loan decisions on a daily basis and underwrite loans that adhere to APM Underwriting Policy and Procedures as well as investor guidelines, policies and procedures. Additionally, they are responsible for answering questions and assisting with problem solving with other underwriting staff. Respond to both internal and external QC audit findings in a timely and proficient manner. Underwrite a minimum of 2 loans per day and complete outstanding conditions in a timely manner. Review files for accuracy and completeness according to the Underwriter Checklist, APMC guidelines and investor/agency guidelines. Run files through Quality Control tools. Communicate effectively with processors and loan officers on status of loan files and conditions. All other related duties assigned Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Competencies: To perform the job successfully, an individual should demonstrate the following competencies: Problem Solving – Analytical, evaluative, and problem‑solving. Identifies and resolves problems promptly; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem‑solving situations; uses reason even when dealing with emotional topics. Detail Oriented – Keen attention to detail Interpersonal Skills – Ability to set and manage priorities judiciously. Maintains confidentiality; keeps emotions under control. Oral Communication – Ability to present ideas in business‑friendly and user‑friendly language. Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; participates in meetings. Written Communication – Writes clearly and informatively; edits work for spelling and grammar; presents numerical data effectively; able to read and interpret written information. Teamwork – Ability to work in a team‑oriented, collaborative environment. Contributes to building a positive team spirit. Attendance/Punctuality – Is consistently at work and on time, ensures work responsibilities are covered when absent. Dependability – Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan. Initiative – Exceptionally self‑motivated and directed. Volunteers readily; undertakes self‑development activities; seeks increased responsibilities. Innovation – Displays original thinking and creativity; generates suggestions for improving work. Education & Experience: Proven Experience with Encompass Required At least three (3) years underwriting experience. Authority to underwrite CONV and, when designated, USDA and/or Jumbo products to APMC or investor guidelines General experience and understanding of the following products: Mortgage Builder Microsoft Word and Excel Outlook Internet navigation Skills: Language Skills: Ability to read and interpret documents and write routine correspondence. Ability to speak effectively with customers/vendors or other employees. Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills: Sound working knowledge of computer and office software operations and systems. Encompass required. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to walk and stoop. Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level and temperature in the work environment is usually moderate. #J-18808-Ljbffr American Pacific Mortgage