Senior Mortgage Underwriter
CrossCountry Mortgage, LLC.- Posted : 4 years ago
CrossCountry Mortgage is more than a mortgage! When we started in 2003, our President and CEO Ronald J. Leonhardt, Jr., had the vision to become a nationwide full-service lender that could provide more to customers - meeting their needs, being there every step of the way, and making home ownership dreams possible and affordable. We're continuing to expand our nationwide footprint, and we're not stopping any time soon!
We Care! CrossCountry Mortgage offers eligible employees a robust benefits package including medical, dental, vision, as well as a 401K with an employer match! We also offer company provided Short-Term Disability, Employee Assistance Program and a Wellness Program. Our Corporate office also enjoys a casual dress code, an on-site market cafe, and an upbeat working environment!
Position Overview:
This is a remote position. The Senior Mortgage Underwriter will be responsible for underwriting and clearing conditions for FHA, VA and Conventional loans ensuring compliance with specific company, investor and insurer underwriting guidelines in a paperless environment. Experience Underwriting USDA and Bond programs is a plus. A thorough working knowledge of industry standard product, program and compliance Underwriting guidelines is required. The Senior Mortgage Underwriter candidate must be able to clearly communicate all mortgage loan guidelines to loan processors and loan officers.
Job Responsibilities:
- Maintains pipeline within the company's standards: 24-hour turn-around time for upfront and final underwrite.
- Reviews files upfront for initial credit decision based on Company checklists and guidelines.
- Issues loan approvals or escalates files to loan committee when necessary based on company guidelines.
- Grades loan application quality as based on criteria covered in training.
- Reviews files throughout the process if requested by the processor.
- Communicates errors and missing information to Processor via email.
- Emails information pertaining to the loan file through Encompass.
- Adjusts condition sheet in Encompass PC with applicable conditions.
- Reviews files for final approval once all items are gathered by the processor.
- Issues final approval uploading all necessary approval documentation into Company's software systems with appropriate signatures.
- Works with post-closing department on any stipulations for closed files.
- Associate degree in business management or related field.
- SAR and/or DE strongly preferred.
- Minimum 5 years of Mortgage Underwriter experience in a retail environment for a mortgage lender is highly preferred.
- Minimum 5 years of credit and appraisal experience in mortgage lending field covering FHA, VA and Conventional Loan Programs.
- Recent experience underwriting FHA loans and supporting the mortgage lending activity at a purchase focused mortgage lender.
- Basic understanding of mortgage banking software, mortgage underwriting, loans, purchase and refinance transactions.
- Superior customer service skills.
- Self-starter with excellent time management skills.
- Ability to maintain the highest level of confidentiality.
- Excellent problem-solving skills.
- Excellent communication skills - written, verbal with an ability to present ideas clearly and concisely.
- Ability to multi-task in a fast-paced environment.
CrossCountry Mortgage, LLC (NMLS3029) is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, color, orientation, gender, age, national origin, veteran status, disability status or marital status. Employment is contingent upon successful completion of a background investigation. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit .
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Skills
- mortgage underwriter
- business management
- customer service
