Job Description

COMPENSATION IS NEGOTIABLE; CONTINGENT ON QUALIFICATIONS AND RELEVANT EXPERIENCE

POSITION OVERVIEW

FHA/VA/Conventional/Jumbo/Non-QM Mortgage Underwriter is responsible for ensuring that all factors of mortgage loan guidelines are satisfied. Strong analytical skills required to make manual credit decisions in the review of credit, income and asset documentation, and property documents. Evaluates potential risks in compliance with all Company and investor guidelines and federal underwriting regulations to include Fannie Mae, Freddie Mac, Agency and Appendix Q, Jumbo, and Non-QM mortgage loans. Must be confident, friendly, and reassuring in a highly service-oriented, fast-paced environment. Strong records and file management coordination and time management skills with highly confidential and time-sensitive materials. Attention to detail and follow-through.

ESSENTIAL DUTIES:

• Conducts front-line underwriting origination, credit risk reviews of retail and correspondent loans and applies needed conditions for mortgage submission to ensure loans meet program/product specifications.
• Performs an appraisal analysis to determine that acceptable collateral standards are met while completing the necessary research to determine federal, state, local, and Company compliance.
• Communicates credit risk decisions to the partnering individuals within the Company, correspondents, or borrowers.
• Achieves productivity standards and qualitative seller satisfaction targets.
• Performs a due diligence quality review of credit, income, and asset analysis and communicates findings.
• Leadership - Maintains a positive, upbeat role, promotes and exemplifies Company values, and represents departmental objectives and interests to internal and external customers.
• Customer Service - Follows up on questions and concerns; respond to customer needs in a friendly, timely, and efficient manner.

REQUIRED EXPERIENCE:

• 2+ years of current FHA/VA/Conventional/Jumbo/Non-QM mortgage underwriting experience
• Strong knowledge of banking regulations and responsibilities relating to each, including UCC, titles, mortgages, liens, and other aspects of the loan collateral position
• Thorough knowledge of complex personal and/or business financials
• Excellent communication skills
• Detail orientation with a high degree of accuracy
• Self-starter, ability to work independently
• Strong time management and organizational skills
• Proficiency with Microsoft Office 365 software. Experience with Calyx Point is preferred

EXPERIENCE:

• Mortgage Lending: 5 years (Preferred)
• FHA/VA/Conventional/Jumbo/Non-QM Mortgage Underwriting: 5 years (Preferred)
• Detail-oriented -- would rather focus on the details of work than the bigger picture
• Adaptable/flexible -- enjoy doing work that requires frequent shifts in direction
• People-oriented -- enjoys interacting with people and working on group projects

Company Description

Since 1982, our headquarters is in Diamond Bar. We’ve been located in the area for over twenty years, and in that time, we’ve come to be considered one of the best mortgage companies in Diamond Bar and Southern California as a whole.