Kind Lending is creating a new segment to add to our fantastic team by joining the retail mortgage market. We are adding to our retail team and looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

POSITION SUMMARY:

Approves or denies mortgage loans by performing a thorough evaluation of credit and property documents in loan files, identify potential risks, and advise as to the appropriate decision of the file as it relates to approving, declining, or suspending the loan based upon Kind Lending's underwriting guidelines concerning borrower eligibility and investors' requirements. Other duties include maintaining underwriting turn times, working with processors and loan officers to provide guidance on a case-by-case basis and keep up with guidelines as set forth by VA, FHA, USDA, Bond as well as Fannie Mae, Freddie Mac Ginnie Mae.  

RESPONSIBILITIES:

• Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.
• Evaluates acceptability of loans to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors.
• Review all loan submissions submitted by production and origination staff and generate initial credit decisions in accordance with FNMA, FHLMC, FHA, VA, USDA, Bond, and other private investor guidelines as well as internal overlays.
• Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal, and investor guidelines.
• Perform credit and property analysis on conventional and government loan files.
• Analyze complex tax returns and accurately calculate income.
• Perform timely reviews of submitted conditions and loan resubmissions.
• Input data and notes into the Encompass loan system.
• Maintain quality and production standards as set forth by management.
• Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers.
• Approves or rejects loan applications or requests additional information.
• Records loan rejections, specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves.
• Assembles documents in loan files, including acceptance or denial, and returns files to originating mortgage loan office.
• Other duties may be assigned.

QUALIFICATIONS:

• DE / SARS / LAPP designation preferred
• Demonstrate advanced product knowledge of FHA, VA, Conventional, USDA, and other loan programs such as Home Equity Lines of Credit, 2nd Mortgages, Home Improvement, down payment assistance, and bond programs.
• Demonstrate working knowledge of federal and state guidelines, rules, and regulations such as RESPA, TILA, HMDA, etc.
• Advanced ability to analyze complex tax returns and accurately calculate income for all types of borrowers.
• Ability to maintain a high level of professionalism, customer service, and communication with all parties involved in the loan cycle.
• Proficient with Encompass, or other paperless mortgage loan origination systems.
• Understanding of all compliance regulations and investor guidelines.

EDUCATION:

A High School diploma or equivalent plus three to five years' experience in this field of work is preferred.

WORK AUTHORIZATION:

 Must be able to verify identity and employment eligibility to work in the U.S.

OTHER DUTIES:

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard, and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

[EOE/M/F/D/V. Drug-free workplace.]