Remote Junior Mortgage Underwriter

Use our easy apply form to send your application to undefined, the Jobot Pro hosting this job. Compensation Based on Experience. Remote Junior Mortgage Underwriter $70000 - $75000 per year | Grand Rapids, MI | Remote | Permanent High Paying Salary, Excellent Benefits, Amazing Bonus, Sign on and MORE! A bit about us: If you are an experienced remote Conventional Mortgage Underwriter, please keep reading! 2 years residential underwriting experience Full understanding of conventional underwriting requirements Working knowledge of financial statements, credit reports, tax returns and appraisals Knowledge of lending programs, policies, procedures, and standards Possesses sound judgement Ability to communicate clearly and effectively, both verbally and in writing. Decision making/analysis skills Accountability and organizational skills Solid time management skills to set priorities and meet deadlines Ability to work independently Attention to detail Proficient in Microsoft Excel, Outlook and general PC applications 10 key and word processing skillsIf you are an experienced remote Conventional Mortgage Underwriter 2+ years residential underwriting experience Full understanding of conventional underwriting requirements Working knowledge of financial statements, credit reports, tax returns and appraisals Knowledge of lending programs, policies, procedures, and standards Possesses sound judgement Ability to communicate clearly and effectively, both verbally and in writing. Decision making/analysis skills Accountability and organizational skills Solid time management skills to set priorities and meet deadlines Ability to work independently Attention to detail Proficient in Microsoft Excel, Outlook and general PC applications 10 key and word processing skills Why join us? • Work life balance • Room for growth • Benefit rich health benefits • Employer paid short-term disability • Employer paid long-term disability • Employer paid Life Insurance • Voluntary Life offered • 100% Employer paid Vision • Dental - No deductible, preventative 100% covered • Optional FSA (Flexible Spending Account) available Job Details Role: • Responsible for reviewing mortgage loan applications and rendering decisions within internal and regulatory guidelines. Essential Functions & Responsibilities: • Determines the adequacy of income to meet expected financial obligations. • Ensures potential borrower assets meet closing requirements and are derived from acceptable sources. • Examines potential borrower credit and reviews the manner which obligations have been met and managed. Investigates derogatory applicant credit. • Review appraisals and ensure determined values are well documented, risks are appropriate and meet all guidelines of the applicable loan type. • Reviews appraisal comparables. Sets conditions for property inspections if repairs are needed. • Evaluates and assesses the collateral and capacity of mortgage loans. • Approves or rejects loan application or requests additional information. Records loan rejection, specifying investor and company guidelines and basis for declining application. • Completes all underwriting functions in accordance with various program requirements, company standards, and related legal and regulatory requirements. • Maintains knowledge of underwriting requirements and policies, as well as investor and governmental guidelines. Stays informed of modifications and updates in software applications. • Confirms documentation, reports and files are complete and accurate. • Certifies that all lending conditions have been satisfactorily met prior to closing. • Keeps management informed of area activities of any significant problems and provides suggestions for improvements in underwriting policies and procedures. • Performs other job-related duties as assigned. Jobot is an Equal Opportunity Employer. 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