On The Money Talent is honored to be retained by the top independent purchase lender in Connecticut who has expanded throughout the East Coast.

We are looking for experienced Underwriters to work 100% remotely. You can be anywhere in the US.

Their core values of service, respect, and communication mean their relationships with their customers and employees will always be top priority. This organization is big enough to get the job done right but still small enough to care. The role offers career mobility with cutting edge technology.

See a few of the items below that make this a great opportunity to explore.

• Pay every two weeks
• Full benefit package ( health,vision,dental,401k)
• 100% communication at all times
• Career mobility
• Aggressive Monthly Bonus of $25 per file with an avg of 50-60 files per month

Job Purpose

This position is responsible for verifying and analyzing complex information in order to evaluate and decision mortgage applications in accordance with policy and procedure and ensure these applications meet regulatory guidelines.

Job Duties

• Underwrite and decision multiple types of loans to comply with state and federal regulations.
• Review and analyze appraisal reports to determine loan to value ratios and acceptable collateral standards for decisions.
• Verify and analyze W2s, personal and business tax returns, and financial statements to calculate debt to income ratios for decisions.
• Review and analyze title reports, title policies, surveys and endorsements to determine vesting and lien position for decisions.
• Apply independent discretion and decisions when determining conditions for loans. Validate processing conditions.
• Restructure loans and/or provide counter offers with alternative products or programs to meet borrower needs and underwriting guidelines.
• Provide pre-approvals as requested to enable the home selection process.
• Additional projects as assigned.

Education, Experience and Job Skills

• Bachelor’s degree preferred but not required
• 3+ years of underwriting and complex financial analysis required
• Direct Endorsement (DE) certification of FHA and VA products preferred but not required
• Proficient use of technology required
• Mortgage, real estate and banking regulatory knowledge required
• Proven ability to handle high volume and prioritize tasks required
• Strong oral and written communication and negotiation skills required