Senior Underwriter

Job Summary

The Senior Underwriter is responsible for analyzing each loan application package to determine the borrower’s ability and willingness to repay the debt and the value of the property taken as collateral. Based on this determination, the underwriter will either approve or deny the loan package as appropriate. The Underwriter ensures all applicable Federal, State and Investor requirements have been adhered to.

• Reviews and underwrites loan files accurately and timely, ensuring compliance with Company guidelines. Verifies documentation is complete and works with operations staff to collect additional information as necessary. Adds conditions to file if necessary in order to complete the underwriting process.
• Analyzes credit documents, including but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
• Approves or declines loans within limits of assigned authority. Communicates decision to appropriate individuals within the Company upholding fair lending practices.
• Miscellaneous duties as assigned.

Education

• High school diploma or equivalent required

Experience

• Minimum of five years’ experience as a mortgage underwriter. FHA, VA, USDA, Non-QM, Jumbo, and Bond experience preferred.

Functional/Technical Skills

• Thorough understanding of credit and an ability to review complex financial documents
• Effective written and verbal communication skills
• Strong analytical skills with the ability to think outside of the box
• Demonstrates a commitment to quality customer service
• Strong attention to detail
• Excellent problem solving skills and ability to make sound judgments in a fast-paced environment
• Well organized with the ability to multi-task
• Demonstrates strong time management skills with the ability to meet deadlines
• Works well with others
• Proficient in all compliance-related regulations including RESPA
• Strong mathematical skills
• Strong PC skills (MS Office products) and experience with mortgage origination systems

Work is typically performed in a standard office environment. 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. While performing the duties of this job, the employee is regularly required to sustain predictable work attendance, communicate with others, frequently required to stand, walk, sit, and use arms, hands and fingers to reach, handle or touch.

The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus. Pursuant to the Americans with Disabilities Act, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Our benefits package includes 3 comprehensive Cigna or Kaiser medical plans, dental, and vision insurance. We provide short term and long-term disability insurance, basic life insurance, 401(k), and 10 employer paid holidays. In addition, we offer supplemental benefits to include life insurance, critical illness and accident plans.