Job Description

Seeking full-time, fully remote Underwriters immediately for a direct hire, fast hiring process! Remote only, must work PST hours. 

DUTIES:

· Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.

· Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.

· Review appraisals to ensure that loans meet secondary market, investor, and company standards.

· Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.

· Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.

· Provide options and recommendations to borrowers regarding suitable loan programs.

· Stay abreast of current regulations and industry trends that affect compliance and decision-making.

· Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).

QUALIFICATIONS:

· High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes at least one of the following: a) two or more years underwriting conventional loans; or b) four or more years in progressively responsible loan processing roles; or c) two or more years in mortgage Underwriting Assistant related role(s).

· Detailed knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing.

· Detailed knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.).

· Familiarity with underwriting and regulatory requirements; general knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls.

· Strong verbal and written communication skills.

Company Description

DISCLAIMER: SUNA Solutions provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Applicants, with criminal histories, are considered in a manner that is consistent with local, state and federal laws.