Job Description

Prime Choice Funding, Inc. is looking for a MORTGAGE LOAN UNDERWRITER to join our team, fast-growing in Tustin, California. Using established underwriting guidelines, you will evaluate borrower financial and credit information in tandem with property valuations to inform lending decisions. Our underwriters work closely with all members of the production team throughout the process to bring loans to closing.

Ability to work from the local office preferred, but would consider a remote opportunity

RESPONSIBILITIES WILL INCLUDE:

• Underwrite and decision agency conforming and jumbo residential mortgage loans
• Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents
• Review appraisal reports to identify and resolve any discrepancies discovered within
• Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
• Calculate qualifying ratios, determine creditworthiness; provide risk opinions

QUALIFICATIONS/ABOUT YOU:

• Must be able to underwrite VA, FHA & Conventional

• Underwriting: 4 years (Required)

• 4+ years of experience underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus

• LAPP & SAR Required

• Expert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)

• Categorical understanding of the mortgage lending process

• Ability to carry out requisite loan calculations (DTI, LTV, etc.)

• Capable of preparing findings reports

• Ability to handle multiple files simultaneously

• Strong written and verbal communication

• Perform well in team environments

• The drive to build something new

BENEFITS OFFERED:

• Paid time off
• Health insurance
• Dental insurance
• 401(k)

Job Type: Full-time

Pay: $75,000.00 - $130,000.00 per year

Company Description

Prime Choice Funding, Inc. is one of Orange County's top Mortgage Lenders. This is a unique opportunity to work in a fun, fast paced, and upbeat environment. We are in the process of expanding and candidate must be able to handle large workloads and have the ability to to work overtime.