Job Description

MUST HIRE ASAP. TIME IS OF THE ESSENCE.

JOB SUMMARY:

Provides support in the Loan Underwriting Department to ensure that loan files are underwritten according to guidelines thoroughly, compliantly and in a timely manner.

JOB DESCRIPTION:

ESSENTIAL JOB FUNCTIONS

• Accurately condition loan file based off loan application and documentation provided
• Email updated conditional approval and loan status.
• Efficiently and effectively process a pipeline of loans on a daily basis consisting of portfolio loans.
• Communicate effectively with referral partners Account Executives.
• Understand and stay current with company policies, procedures, industry regulations and other changes that affect the industry and/or company.
• Analyze highly complex financial and credit information according to underwriting standards.
• Ability to perform daily underwriting duties including Purchase Money and Refinance loans.
• Review HMDA Data in accordance with compliance policies.
• Performs other related duties as assigned.

JOB RESPONSIBILITIES WILL INCLUDE OVERSIGHT OF THE FOLLOWING:

• Thorough understanding of underwriting standards of mortgage loan products
• Strong analytical skills and decision-making ability to make lending decisions and translate guidelines
• Ability to work independently and as a team; ability to garner support and collaborate with others
• Ability to motivate and encourage team and peers
• Strong written and verbal communication skills
• Excellent attention to details
• Strong organizational skills to manage multiple priorities and meet deadlines in a fast-paced work environment
• Ability to provide support and work collaboratively with management to achieve business objectives
• Working knowledge of the Encompass Loan Origination System is favorable

As Needed:

• Stay abreast of any changes in regulations and report to management
• Test updates to operating system for post-closing functions in regard to compliance and report findings

REQUIRED EDUCATION & EXPERIENCE

• Four-year degree, or high school diploma with 3 years of related experience

COMPENTENCIES

• Ability to read and understand, and interpret federal and state regulations
• Proficiency in Microsoft Excel and Word
• Ability to research independently and think critically
• Ability to multitask while maintaining multiple deadlines
• Ability to communicate effectively in a variety of situations
• Ability to lift and carry 20 pounds. Stand or sit for more than an hour. Use computers and monitors for up to four hours at a time. Tolerate general office distractions, including fluorescent lighting, for up to 9 straight hours.

REQUIRED

• Must have Mortgage Loan Underwriting experience.
• Must have experience underwriting Conventional and FHA loans.
• This is not a work from home position.  Candidate must be able to report to the office in Austin.

PREFERRED

• Have knowledge of VA and USDA loans.
• Experience using Encompass

WORK ENVIRONMENT

• This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copiers, fax machines, and other specialized equipment.
• Must have transportation to and from primary work location. Some travel may be required.

COMPENSATION

• Base salary range from $75k-$90k
• Annual Bonus opportunities
• Competitive benefits package

Company Description

Top notch financial institution with locations in Austin, TX. Little to no travel. Travel might include infrequent trips to San Antonio, TX.