Job Description
We are hiring for a Mortgage Underwriter for a well established Credit Union located in San Diego!
Responsibilities:
- Perform industry-standard underwriting activities (e.g. reviewing Income, assets, title, appraisal, loan application, etc.)
- Access all risk factors of loan and ensure it meets guidelines
- Report to Manager in regard to protocol and file escalation
- Check for accuracy of all incoming loan information for file and report discrepancies
- Ensure that all of the tax, title, insurance and closing documentation is in place
- Interface borrowers, loan processors, loan officers and underwriting in an effective manner
- Review the appraisal to make sure it is accurate and thorough, so that the home is truly worth at least the purchase price on purchases and value on refinances
- Maintain, understand and follow lender / Agency / Investor guidelines at all times
- Underwriters to make sure all of the loan factors meet particular loan guidelines
- Maintain dates in loan origination system pertaining to underwriting (as applicable)
- Submit mortgage loans to automated underwriting systems for approval within investor guidelines
- Assure all FINAL numbers and information is updated in file and system prior to issuing a clearance to close
- Ensure file compliance prior to closing being requested
- All other duties as defined by Employer from time to time
Company Description
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