Sr. Underwriter
$40,860–$50,480 year
Remote · San Diego, California, United States or US
Job Summary
The Sr. Underwriter is responsible for analyzing consumer home loan applications and supporting documentation to assess Borrower's creditworthiness. Types of loans include Conventional, Jumbo, FHA, VA, and USDA. The role involves performing mortgage credit analysis, validating loan applications, ensuring accuracy in system records, and confirming compliance with guidelines. Candidates must demonstrate recent underwriting experience in the mortgage industry, along with knowledge of FHA, VA, or USDA processes, state and federal regulations, and proficiency in loan origination and automated underwriting systems. A high school diploma or equivalent is required, with a preference for a college degree.
Required Qualifications
- Recent Underwriting experience in the mortgage industry is a must
- Experience with FHA, VA, or USDA is required
- Thorough grasp of state and federal regulations is required as well as a solid understanding of HMDA, Regulation Z, Regulation B; the FHLMC, FNMA, FHA rules and processes
- Genuine commitment to customer service
- Solid organizational and problem-solving skills
- Proven aptitude to work in both a team and individual environment
- Experience with (AUS) automated underwriting systems
- Working knowledge of loan program products and services, and policies essential
Desired Qualifications
- Experience with Loan Origination Systems such as DataTrac
- Experience with AUS automated underwriting systems
- Knowledge of paperless file environment and image software repository
- Proficiency with computer systems including MS Office (Word, Excel, and Outlook) and Internet Browsers
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