Conventional Mortgage Underwriter Urban Fulfillment Services, an HCL Technologies Company - Littleton, CO 80129 $60,000 - $76,000 a year JOB DESCRIPTION Job Title: Senior Mortgage Underwriter Business Unit: Other Client Mortgage Services Reports to: Mortgage Underwriting Manager Location: Highlands Ranch FLSA Status: Non-Exempt SUMMARY The incumbent underwrites conventional loans in accordance with investor guidelines including the secondary market. The underwriter responds to audits. Incumbents of this position follow all guidelines as defined in the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act). JOB DUTIES AND RESPONSIBILITIES (include but are not limited to): * Completes a thorough analysis of loan files to determine compliance with investor. * Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral. Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met. * Verifies the accuracy of all calculations. * Recommends the loan disposition, for loan amounts in excess of authority limitations, to Manager. * Maintains a working knowledge of secondary market underwriting guidelines, private investor and private mortgage insurance guidelines. * Assists with maintaining compliance with all applicable federal, state and local laws, regulations and ordinances by abiding by compliance program and all policies, procedures, rules and regulations. * Assists in the development of underwriting standards. * Assists mortgage production team in qualifying loans. * Provides assistance to processors, giving general guideline interpretations and answering questions on specific loan files. * Responds to post closing review and quality control audits in a timely fashion. * This is not intended be an all-inclusive list of job duties. * Multi-tasking, high volume, available to be flexible and work weekends as needed MINIMUM QUALIFICATIONS * Bachelor's degree in related field or combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions. * 3-5 years mortgage underwriting experience required. * Excellent documentation, organization and analytical skills, required. * Excellent oral communication skills, required. Other Skills/Knowledge: * Excellent Customer Service skills * Excellent verbal and written communication skills; analytical skills * Ability to handle frequent changes * Creative/innovative problem solver. * PC skills required. Windows, Microsoft Word, Excel * Confidentiality required in handling of security * Experience with Jumbo full underwrites on conventional loans * Credit decisions on conforming loan (non-HAMP) documents * NMLS license Urban Fulfillment Services, LLC is an equal opportunity employer and does not discriminate on the basis of race, religion, color, national origin, age, sex, gender, disability or any other characteristic protected by law. Job Type: Full-time Salary: $60,000.00 to $76,000.00 /year Experience: * Mortgage Underwriting: 3 years Education: * High school or equivalent 8 hours ago - save job