Remote Mortgage Underwriter

Dallas, Texas

Type: Direct-Hire

Category: Other

Job ID: 154698

Date Posted: 10/14/2020

System One is actively seeking MULTIPLE experienced Mortgage Underwriters for direct hire positions working remote.

Mortgage Underwriter Responsibilities:

  • The main duty of the Underwriter is to review loans to ensure the company’s guidelines are met and quality is upheld
  • Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable
  • Maintain thorough knowledge of the company’s guidelines, as well as policies and procedures
  • Demonstrate ability to review and calculate ALL income types, including complicated tax returns
  • Demonstrate ability to review and analyze borrower’s income stability, assets, appraisal, prelim, credit report and all other documentation as required
  • Ensure the company’s quality is uncompromised and that all documentation provided is thoroughly analyzed and meets guidelines
  • Identify red flags within files and ensure each red flag is addressed prior to approval/closing
  • Maintain minimum file requirements as well as condition turn-times as set forth by management
  • Complete all underwriting tasks in LendingQB, including 1008 comments and checklists
  • Notify Account Executive/Broker immediately if loan file is being counter-offered, suspended or declined
  • Maintain communication with brokers/processors/account executives to ensure all questions are answered in a timely manner
  • Review conditions (including suspense, reworks and decline overturns) within the required turn times
  • Ensure compliance with federal and state lending regulations
  • Provide a second layer of quality control to ensure that the liability taken on by the company will not result in a non-salable loan
  • Always seek to find ways to improve our processes either through technology, process systems or communication methods
  • Underwriting Authority for all income types, conforming and high balance loan products
  • Consult With, Underwriting Manager / Regional Underwriting Manager, and all internal and external counter-parties (Broker, Processor, Account Executive, BSR’s, etc.)

Mortgage Underwriter Requirements:

  • Five plus years of Mortgage Underwriting experience required
  • Must have recent Underwriting experience in Credit and Collateral
  • FHA and VA designation strongly preferred
  • FHA CHUMS ID preferred
  • VA LAPP/SAR preferred
  • Jumbo/Non-QM experience preferred
  • Ability to multi-task in a fast-paced environment
  • Be a quick learner and have a willingness to acquire new skills
  • Exhibit a pleasant demeanor with clients and internal personnel via phone and email
  • Ability to work independently with little supervision
  • Be very detail oriented and organized
  • 100% remote - Employees receive 3 monitors, desk top, keyboard, camera, headphones, etc. for home use
  • Candidates coming from companies that take pride in customer service is a big focus and wholesale productivity as well
  • Positives about this company specifically: Strongly follow their core values, Family atmosphere with the company, private business, Executive management is very hands on at the loan level, and the positions are remote which can be a perk to some
  • This job description does not identify all of the responsibilities and duties associated with this job
  • Responsibilities and duties are subject to change at the discretion of the company
  • Additional responsibilities and duties may be required from time to time

Duration: Direct Hire with full benefits

Location: 100% remote with all necessary hardware provided

Compensation: $85K/yearly salary - $100K/yearly salary (highest base for candidates with FHA and VA designations experience)