Job Description
Ladera Lending is looking for an experienced MORTGAGE UNDERWRITER to join our team. The ideal candidate will be a seasoned Mortgage Underwriter with recent experience in a Retail lending environment. The position will be responsible for underwriting loans and apply necessary conditions to ensure that the borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines.
Essential Functions-
Underwrite new loan file submissions
Responsible for reviewing / clearing own conditions
Maintain complete and accurate loan files
Make independent approval/suspense/declination decisions
Ensure loans being underwritten meet the policies and procedures for salability
Experience-
Minimum 3 years underwriting experience
Recent experience using Encompass is a plus
Ability to communicate effectively with customers and internal partners- both in written and verbal form
Detailed oriented, flexible and adaptable
Knowledge with mortgage products/underwriting procedures
Knowledge in DU/LP and manual underwriting
Learns quickly and thrives in a fast-paced environment
DE/LAPP/SAR/ VA
Remote ok