Mortgage Underwriter

Highlands Residential Mortgage
Published
June 29, 2020
Location
Dallas, TX
Category
Job Type

Description

Job Description:

Underwrites residential mortgage loans in accordance with FHA/HUD/VA/Agency and internal guidelines ensuring compliance with company and investor standards.

JOB REQUIREMENTS:

- High school diploma or equivalent, BA/BS Preferred

- Must have a minimum of 5 years mortgage underwriting experience

- Must have valid DE/CHUMS ID for FHA

- SAR and LAPP, VA Automatic approved for VA Underwriting Preferred

- DU/DO, LP, Total Scorecard, GUS Proficient

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

- Proven computer skills must be proficient in Word, Excel, and Outlook

- Encompass Experience preferred

- Must have excellent verbal and written communication skills

- Must have a positive attitude

- Must be dependable, self-motivated and require minimal supervision

- Must have demonstrated organizational skills

ESSENTIAL DUTIES OF THE POSITION:

- Able to make timely, accurate underwriting decisions on all FHA/VA/Conventional transactions using independent judgment and discretion.

- Able to clearly communicate FHA/VA/FNMA/USDA, corporate, and investor guidelines to customers, loan processors, and sales associates.

- Acts as a secondary review and escalation point for conventional loans and government loans.

- Has thorough knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis.

- May provide training/mentoring to underwriters, loan processors, and sales associates.

- Maintain knowledge of Highlands Residential’s policies and procedures.

- Perform any other duties as assigned.

SUPERVISORY RESPONSIBILITIES: None

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