Underwriter, Finance & Banking

Home Xpress – Your Leading Non-QM Mortgage Lender. Join our growing team and be part of the top Non-QM lender in the business. We are known for closing mortgage loans with speed, ease, and convenience. Licensed in 46 states, we provide brokers with a full suite of mortgage products, including VA, FHA, FNMA, and FHLMC. Home Xpress offers a great company culture, tremendous growth opportunities, and competitive benefits.

Join us as we continue to grow and expand our business in the Non-Delegated Correspondent Channel.

• Clear conditions, including but not limited to credit and title conditions
• Prepare loan files for review by an Underwriter to determine eligibility within Home Xpress’ guidelines
• Assist Underwriters as needed to move the pipeline forward
• 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

• 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 loans meet 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

• Conforming and Non-QM underwriting guidelines
• Strong verbal and written communication skills
• Strong problem-solving skills
• Excellent interpersonal, customer service, and organizational skills
• High level math aptitude
• Ability to multitask and work productively in a fast-paced, sometimes stressful environment
• Knowledge of conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements, escrow/title practices, and regulatory compliance laws as they apply to mortgage transactions
• Proficiency with personal computers and applicable software

• Wholesale Underwriting: 1 year (Required)
• Non-QM: 2 years (Required)

• Job Type: Full-time
• Location:
  
  In person
• Pay: $70,000.00 - $80,000.00 per year
• Schedule:
  
  Monday to Friday
• Benefits: 401(k) matching;
  Dental insurance;
  Health insurance;
  Paid time off;
  Vision insurance

All your information will be kept confidential according to EEO guidelines.