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Mortgage Underwriter

Athas Capital Group

Mortgage Underwriter

Calabasas, CA
Full Time
Paid
  • Responsibilities

    Job Description

    Come join Athas Capital Group’s family and secure your career with the ability to grow with the Nation’s leading alternative portfolio lender as a MORTGAGE UNDERWRITER!

    Job Duties:

    • Responsible in deciding whether to approve or deny client’s mortgage loans according to relevant information being provided at their loan applications or upon final review of a complete file.
    • Analysis of income, asset, credit, title and collateral information.
    • Conduct risk assessments on potential clients based on previous borrowing history, credit rating, income and other factors.
    • Clearly convey underwriting needs to client in order to effectively and properly complete underwriting analysis.
    • Render independent decision based of the Company’s guidelines and policies.

    Requirements:

    • Minimum of three (3) to five (5) years’ experience of mortgage underwriting.
    • Full understanding of income analysis, title analysis, appraisal analysis, credit analysis RESPA, TILA, TRID, hazard insurance, and be proficient in both refinance and purchase transactions.
    • Regulation / Legislation Awareness - Knowledge of the Regulated Financial Services environment.

    Skills:

    • Able to demonstrate a proactive, hardworking, flexible and able to work under own initiative but also a team player.
    • Excellent computer skills and knowledge of MS Office products.
    • Strong customer service and time management skills a must.
    • Highly motivated and determined to succeed in a competitive, time-sensitive industry.

    Required education:

    • High school diploma/GED required (College degree preferred.)

    Desired experience:

    • Experience with Lending QB loan origination system
    • Hard Money and Nonprime mortgage experience desired.
    • Manual mortgage underwriting experience.

    Why Choose Athas Capital Group?

    Athas Capital is one of the Country’s largest private mortgage lenders and is led by principals with a combined experience of 40+ years in the mortgage industry. Most employees at the company have been working closely with its founders for the past 6+ years. Come join the winning team and entrench yourself in a long-lasting career. We foster a team-oriented work environment and are strong believers in meritocracy; as we continue to scale there will be ample opportunities for individual growth.

    Job Type: Full-time

    Job Location:

    • Calabasas, Ca

     

    Company Description

    • Review credit, income, assets, and collateral documentation per our guide and determine whether or not the investor conditions/concerns are valid • Coordinate rebuttals to investor findings, condition clearing, and Vendor follow up • Reach out to third parties for required documentation to clear investor conditions • Calculate income using traditional and non-traditional documentation to determine DTI ratios, residual income figure, and DSCR when applicable • Analyze and compile information gathered through due diligence and summarize results, both positive and negative