Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Supervises a team of underwriters and/or underwriting assistants.
• Ensures compliance with established policies and procedures.
• Has approval authority for more complex loan request and exceptions to policy.
• May participate in escalations and Loan Committee.
• Ensures employee performance reviews are completed in a timely manner.
• Provides ongoing training for underwriting staff to ensure consistent credit decisions.
• Completes a secondary and/or management review of loan files to determine compliance with company, investor, FNMA/FHLMC, FHA, VA, USDA and Jumbo guidelines and standards.
• Performs other duties as assigned.

QUALIFICATIONS

The requirements listed below are representative of the knowledge, skill, and/or ability required for this position:

• Has current in-depth experience and knowledge of FHA/VA/FNMA/FHLMC/USDA and Jumbo lending guidelines and understands how those relate to internal and investor guidelines

• Clean understanding of credit strategy and credit risk management

• Strong organizational and leadership skills

• Customer service oriented

• Experience with Automated Underwriting Systems (i.e. DU, LP, GUS)

• Experience with Appraisal Underwriting Tools such as Collateral Underwriter (CU)

• Can clearly define problems, collect data, establish facts and do independent research to draw valid conclusions and make reliable recommendations

• Has a working knowledge of Database LOS software systems, Internet software, Excel and Word processing software as well as paperless document platforms

• EDUCATION/EXPERIENCE:

• Associates degree (A.A.) or equivalent from a two-year college or technical school or 5 to 7 years related mortgage experience and/or training.

• 5 years previous management experience.

• Direct Endorsement (D.E.) underwriter.

• VA underwriting designation and/or SAR (Staff Appraisal Reviewer) preferred.

•  

  COMPUTER SKILLS:

  To perform this job successfully, an individual should have knowledge of:

  ·            Microsoft Office Suite of products (Word, Excel, PowerPoint, Outlook)

  ·            Database LOS software – LendingQB preferred

  ·            Internet software such as Firefox, Internet Explorer, etc.

  MATH ABILITY: 

  Ability to calculate complex figures and amounts when reviewing income, assets etc.

Company Description

We are excited to introduce you to Mountain West Financial. Michael Douglas and Gary Martell Jr. began their career in the mortgage industry as competing Originators. They use that background today to maintain an environment where the entire company works toward one common goal; to close loans while delivering customer service that is second to none. Since 1990 Mountain West Financial has built a reputation of not just putting people in any loan, but to put them in a home loan that suits both their short and long term goals, to earn the opportunity to become a lender for life. Our Success over the past 30 years is derived from our goal of offering sustainable homeownership solutions, doing right by our team, clients, and referral partners drives us to continuously expand out program offerings, systems and tools. In order to accomplish these goals we constantly analyze and improve our internal processes to enhance our service levels to all of our clients, both internal and external while maintaining our high business standards. Calling all Processors, Jr. Processors, Data Entry, Disclosure Technicians, and anyone looking to grow and advance their mortgage career. Are you looking to make a move to Underwriting? We are looking for those who want to take charge of their success and become an Underwriter. We have developed and are launching our new training proprietary platform – Underwriting Academy. Come join us! To qualify for Underwriting Academy, you must first meet MWF employment qualifications, be onboard as a Underwriting Assistant, and meet the following: • Someone who wants to work closely with Loan Officers, Processors, and other team members to get borrowers approved for their home purchases or refinances • 1+ year experience in Mortgage Lending • Detail Oriented • Ability to evaluate information to find solutions to ultimately lead to strong decision making • Ability to multitask • Driven to learn • Good Customer Service and Communication Skills If you’re ready to take the next steps in your Mortgage Career – join us for the launch of Underwriting Academy. For more information, send a resume and any questions you may have to underwriteracademy@mwfinc.com. Mountain West Financial is proud to be an Equal Employment Opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.