Job Description
Our employees are our biggest asset and play an integral role in meeting the needs of our customers. Come be part of a team offering many opportunities to utilize your talents in an atmosphere that supports and encourages you to realize your full potential.
COME SHARE OUR STORY AND BE PART OF BUILDING SOMETHING AMAZING!
COUNTRYPLACE MORTGAGE, LTD., is currently looking for a RESIDENTIAL MORTGAGE UNDERWRITER to work in our Addison, TX office. We are a strong, reliable company contributing to the mortgage industry and communities throughout 36 states. This position will report to the Residential Mortgage Underwriter Manager.
WHAT IS IN IT FOR YOU?
Excellent base pay and bonus
Medical, Dental, Vision, 401k
Paid Holidays and Vacation
Collaboration/Team Work
Being valued for what you contribute to the team
JOB DESCRIPTION:
Products Underwritten: FHA, VA, USDA, Conventional, Construction Loans
Analyze and evaluate all aspects of borrower credit, employment, income and asset profile ensuring that all bank, investor and regulatory standards are met.
Evaluate the entire credit package and collateral to ensure an investor quality loan product.
Communicate decision on loans to appropriate parties both verbally and in writing.
Complete a thorough analysis of loan files to determine compliance with company and investor guidelines and standards.
Use independent discretion and judgment to make final decision on acceptance or decline of loan request.
Review title commitment, appraisal and validate required disclosures meet investor guidelines and standards.
Review and clear all conditions of approval prior to issuing clear to close.
Display a high level of customer service to your internal and external customers while conducting yourself in a professional manner.
Work all loan applications in a manner to maximize acceptance of profitable loans while minimizing acceptance of unprofitable loans.
Takes and active role by making recommendations for continuous process improvement within the underwriting process.
MINIMUM QUALIFICATIONS:
FHA DE Certification preferred, but not required
Minimum of 1-2 years previous experience underwriting wholesale and retail Conventional, FHA and USDA loan products.
Veterans Administration (VA) Lender Appraisal Processing Program (LAPP) preferred but not required.
Bachelor’s degree required.
Excellent interpersonal skills and ability to communicate effectively.
Ability to read and interpret new regulations and guidelines.
Ability to work independently and well with others.
Must be authorized to work in United States without a visa.
Company Description
Cavco Industries, Inc., was founded in 1965 and is a fast growing publicly traded company that is disrupting the manufactured home industry. Headquartered in Phoenix, Arizona, Cavco is a leading designer and builder of manufactured homes, modular homes, commercial buildings, park model RV’s, and vacation cabins. We produce and sell some of the most widely recognized brand names in the industry including Fleetwood Homes, Palm Harbor Homes, Fairmont Homes, Nationwide Homes, Friendship Homes and Cavco Homes. The company’s insurance group, Standard Casualty, offers a wide range of insurance products for manufactured home owners and our finance subsidiary, CountryPlace Mortgage, offers a variety of homebuyer financing options. Our production footprint includes 20 manufactured and modular home factories across the U.S. We conduct business through more than 40 company-owned sales centers in addition to a vast network of independent retailers, community operators, builders and developers in 47 states, 6 Canadian provinces as well as Mexico and Japan. In recognition of its innovation, quality, customer service, and long term stability, Cavco Industries was awarded the prestigious MHI Manufacturer of the Year Award for 7 consecutive years. We don’t settle for the “status quo” and continually strive for excellence. Our employees are our biggest asset and play an integral role in meeting the needs of our customers. Come be part of a team offering many opportunities to utilize your talents in an atmosphere that supports and encourages you to realize your full potential. Come share our story and be part of building something amazing! Cavco Industries is committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment. Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.