Retail Underwriter, Senior

First Guaranty Mortgage Corporation
Full time
Copywriting and Editing
United States
Hiring from: Anywhere

RETAIL UNDERWRITER, SENIOR



  • Full-Time

  • REMOTE | United States


Description

ESSENTIAL FUNCTIONS



  • Serve as subject-matter expert (SME) within the team and provide direction, guidance, and training to staff members

  • Manage pipelines to ensure all loans are reviewed in a timely manner and according to guidelines and policies

  • Assist manager in performing second-level loan reviews as needed to ensure accuracy

  • Review processes and procedures and provide recommendations to management regarding ways to optimize efficiencies

  • Review loan applications and identify missing or incorrect information

  • Calculate consumers’ income and examine credit histories, assets, and collateral

  • Analyze property standards against appraisal values

  • Assess credit worthiness to determine if borrowers meet Ability to Repay (ATR) and Qualified Mortgage (QM) requirements

  • Determine final credit decisions based on company policies and investor guidelines

  • Understand and maintain a thorough knowledge of all policy updates

  • Maintain Service Level Agreements (SLAs)

  • Adhere to company quality control requirements

  • Maintain relationships by effectively communicating with internal and external customers in a timely and professional manner

  • Perform other duties as assigned


KNOWLEDGE, SKILLS, AND ABILITIES



  • Good oral, written, and interpersonal communication skills to communicate with internal staff and external clients as needed

  • Strong analytical and mathematical skills

  • Ability to maintain a customer focus and efficiently and consistently produce accurate work in both individual and team settings

  • Strong attention to detail and the ability to multi-task and meet deadlines in a fast-paced environment

  • Solid knowledge of computer systems including MS Office (Word, Excel, and Outlook)

  • Ability to lead a team and provide guidance and training to lower-level staff members


REQUIRED QUALIFICATIONS



  • High school diploma or GED

  • Associate degree or equivalent work experience

  • 5+ years of residential mortgage underwriting experience, including 3+ years with multiple designated certifications

  • Active DE CHUMS, LAPP, and SAR certifications/designations

  • Strong understanding of credit and an ability to perform mathematical calculations and review highly-complex financial documents

  • Advanced knowledge of loan origination investor guidelines and federal and state compliance regulations


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