Job Description

We are searching for a fully remote NON-QM/JUMBO/PORTFOLIO Underwriter!

The Senior First Mortgage Underwriter is responsible for providing quality and consistent underwriting of mortgage loans, focusing on difficult/complex loans, to ensure compliance with appropriate company standards. This role is responsible for ascertaining the needs of borrowers and assisting them in selecting the appropriate loan type which best matches their long-term objectives, and ensuring compliance with FHLMC/FHA/VA/FNMA guidelines. Also, assesses the potential risk of loan applicants, including current and past credit and job history, ensures that all mortgage applications are complete, accurate, and fall within acceptable guidelines, and attains direct endorsement approvals. Additionally, providing high quality customer service, including underwriting in a competitive time frame. As a Senior First Mortgage Underwriter you will also provide direction and guidance to other less experienced underwriters.

Education:

·         High School Diploma or GED Required

·         Bachelor's Degree Business Administration or related area or equivalent combination of education and experience.

Required Experience

·         Requires 7 years minimum mortgage underwriting experience; start to finish

·         Requires experience with Jumbo loans

·         Experience with appraisals, must be able to analyze collateral

·         Deep understanding of tax returns

·         Experience is supporting High Net Worth/Wealth Management customers, with residential/consuming lending limits in the $1-2MM aggregate range as approved by Credit Risk Management

·         Outstanding knowledge of loan underwriting documentation requirements.

·         Ability to communicate with multiple business partners within the organization

·         Ability to handle heavy workload, multitask and meet stringent deadlines

·         Superior written and verbal communication skills

·         Excellent PC skills

SKILLS AND CERTIFICATIONS JUMBO, NON-QM OR PORTFOLIO LENDING START TO FINISH UNDERWRITING EXPERIENCE IN MORTGAGE

IDEAL CANDIDATE The  candidate will have jumbo, Non-confirming and/or Portfolio Lending experience is a MUST. Experience with complex tax returns; dealing with borrowers that have multiple businesses. Experience in appraisal reports is a MUST