Remote DE Underwriter

  • Location
    Sheffield Township, Ohio
  • Category
    Loan / Mortgage
  • Job reference:
    US_EN_5_849154_2782114
  • Job type
    Direct Hire

This position is responsible for underwriting duties associated with Directions Home Loan in accordance with all bank, investor and regulatory requirements

ESSENTIAL DUTIES AND RESPONSIBILITIES

Core duties and responsibilities include the following.

  • Underwrite Conventional, FHA, USDA and VA residential loans ensuring they comply with FNMA, FHLMC, Investor and Government agency guidelines
  • Analyze employment profile, credit worthiness, asset documentation and other pertinent information
  • Analyze property characteristics and all other information pertinent to credit and property decision
  • Respond to product questions and scenarios with suitable answers
  • Ensure compliance with underwriter standards
  • Assist in training new underwriters
  • Provide prompt and quality customer service to both internally and externally by explaining credit decision and offering alternative options when necessary
  • Maintains quality, and production standards
  • Adheres to set turnaround times for reviewing new submissions as well as resubmissions.
  • COMPETENCIES:

    To perform the job successfully, an individual should demonstrate the following competencies:

  • Language Skills - Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, employees, customers, and the general public. Ability to speak clearly and persuasively in positive or negative situations and conduct productive meetings. Strong verbal and written communication skills. Ability to negotiate and to plan and execute comprehensive employee communication plans.
  • Business/Interpersonal Skills – Ability and willingness to make timely decisions exercising sound and accurate business judgment. Ability to align efforts to business mission and culture and develop strategic initiatives that synch with company strategy. Solid business acumen, exhibit self-motivation and initiative in timely completion of goals and activities, and ability to interact effectively and responsively to employees and the Leadership Team. Ability to build positive working relationships.
  • Problem solving—Identify and resolve problems in a timely, objective and confidential manner and gather and analyze information skillfully.
  • Planning/Organization – Ability to prioritize and plan work activities, use time efficiently and develop realistic action plans, work independently, and set expectations. Ability to project manage, multi-task and meet deadlines.
  • Quality management—Ability to demonstrate accuracy, thoroughness and quality.
  • Technical Skills – PC excellence, including working knowledge of Microsoft Excel, PowerPoint, Word, Outlook, and LOS
  • Good communication, attention to detail, analytical, computer skills and the ability to work in a fast paced deadline driven environment. Needs to have sound judgment, a consistent sense of urgency, have the ability to think independently as well as collaboratively, be a team player and strong problem solver.
  • EDUCATION AND/OR EXPERIENCE:

  • Bachelor’s Degree in business, banking or finance
  • 2-5 years of recent underwriting experience in the mortgage industry.
  • Proficiency in conventional, FHA and VA loans; experience with CHFA, USDA and 203k is a plus
  • Basic understanding of underwriting requirements, governmental and agency requirements, terminology and automated processing systems
  • Computer proficiency, particularly with Microsoft Office Suite
  • Experience with mortgage software, such as Calyx Point, Encompass, Data Track or Empower
  • DE, CHUMS, VA/SAR
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