Job Description

What Makes Us Different?

• Underwriters never take phone calls or answer emails. They don't have to communicate with brokers, LOs, processors, etc. There is a team of managers that handle the calls and emails. All the underwriter has to do is underwrite all day.

• You only handle one step in the underwriting process instead of all of them (more on this below).

• Underwriters do on average 7 submissions per day in an 8-9 hour day.

• The position has always been remote and always will be. That will never change.

• Job security - We do not do mass layoffs as banks and lenders do in November.

• Weekend work is optional. You are paid more per file if you want to work

• No micro-management

Job Summary:

Sr Underwriter is responsible for underwriting residential loans ensuring compliance with corporate and secondary market investor standards. Sr underwriter is responsible for examining loan documentation for accuracy and completeness, rendering decisions, and subsequent clearing of conditions to ensure credit guidelines are met. Essential Job Duties and Responsibilities: • Perform AUS or Manual underwriting of conventional and/or Jumbo mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet agency and Client underwriting guidelines • identifying any additional conditions as needed to ensure a viable credit decision • Analyze borrower’s credit profile, collateral, and capacity to repay the proposed mortgage obligation • Review property appraisal • Accurately calculate borrower’s income and debt-to-income ratios based on acceptable agency and company practices • Effectively communicate all lending decisions to appropriate parties as defined by the company • Run, read and interpret automated underwriting decision results from both Desktop Underwriter and Loan Prospector • Develop and maintain knowledge of multiple loan product guidelines • Document lending decisions and complete required screens in the mrn3 underwriting system as well as adding and/or creating applicable conditions on the loan Decision letter • Review conditions submitted on loans and sign off on conditions where appropriate • Prioritize new assignments, TDoc, and escalation queue to ensure service level agreements are met.

Consistently meet or exceed established minimum productivity and quality goals

• Provide quality control responses in a timely manner. Qualifications, Skills, and Education

• 10 years of experience in manual and automated underwriting

• NMLS / Safe Act Licensing

• Excellent written / oral communication skills

Proficient in the underwriting of conventional and government mortgage products

• High attention to detail and effective problem solving

• Prioritizing workload with the ability to multitask in a high-volume environment

• Ability to contribute and work in a team environment

• Proficiency with loan origination systems, automated underwriting engines, imaging, and other systems

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/ or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Preferred Skills:

• Technology savvy, with the ability to work in varied systems

• Proficiency with mortgage underwriting

• Experience in on-line training tools

Physical Demands: The physical demands of this position involve normal sitting, standing, stretching, and the use of a computer keyboard for data entry. Lifting requirements are minimal, involving no more than 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Job Type: Full-time - REMOTE

Company Description

Evolve Mortgage Services is a leading provider of outsourced mortgage solutions with the company’s roots going back over 25 years. Our experience is unequaled in the industry and have helped hundreds of clients dramatically grow and scale their mortgage sector. At Evolve we work side by side with mortgage lenders, banks, and credit unions to help them close more mortgage loans and reduce overhead while remaining Adaptable, Reliable, Cohesive and Seamless in those efforts.