Senior Home Loans Underwriter - SA
We are seeking a Senior Home Loans Underwriter for the Home Loans Production Department.
The role of the Senior Home Loans Underwriter is to analyze, assess and decision mortgage loan applications for Credit Human Home Loans in accordance with Credit Human lending guidelines, secondary market guidelines, FHA, VA, and Rural Housing requirements, as well as state and federal regulations. The incumbent must stay abreast of internal lending policies, practices, guidelines, lending systems and products, as well as external regulatory and economic environments.
The role is responsible for the review of all loan documentation to ensure accuracy, completeness, and compliance with internal, regulatory, mortgage insurance and investor guidelines in order to render loan decisions in a timely, accurate manner. Incumbent must develop sound working relationships with the Home Loans Production team to ensure accurate and timely decisions are made and communicated effectively to support a quality member service experience.
If you have mortgage industry experience, you should apply right away!
Highlights:
Underwrite files within our Service Level Agreement and act as the subject matter expert in the area of determining credit and collateral risk
Support and assist the Portfolio Manager in ensuring established performance and customer service goals are met
Take responsibility for problem resolution of non-routine underwriting issues; review exceptions from policy, guidelines, and procedures to render appropriate decisions within prescribed limits
Support Home Loans Leadership in development and implementation of new processes and procedures that increase department efficiency
Continually enhance product knowledge with respect to credit union, mortgage insurance, and secondary market guidelines through regular attendance of internal and external educational learning seminars and webinars
Experience:
Required
Minimum 7 years of experience in the mortgage industry
Preferred
Minimum 5 years of mortgage underwriting experience including conventional underwriting
VA underwriting experience
FHA underwriting experience including DE CHUMS
Education:
Required
High school diploma or equivalent
Preferred
Bachelors degree in business or related field
Licenses & Certifications:
Required
Requires eligibility to be registered as a Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS) and Registry
Preferred
NMLS registered
VA Lender Appraisal Processing Program (LAPP) approved
Skills & Knowledge:
Required
Knowledge of credit and collateral underwriting guidelines, rules and regulations governed by state and federal agencies
Knowledgeable in real estate underwriting principles to include secondary marketing automated underwriting engines
In-depth knowledge of Fannie Mae Guidelines, DU® guidelines and risk assessment tools used to decision mortgage loans
Ability to effectively communicate credit decisions
Ability to use sound judgment and possess strong decision-making skills
Strong analytical, problem solving and audit skills
Strong organizational skills and results orientation
Schedule: Monday-Friday, 8:30 am-5:30 pm
Flexibility: On site, in office; Not remote or hybrid
Level of Work: 2C
Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.
To get to know Credit Human and learn more about our benefits, visit our careers page atwww.credithuman.com/careers.
Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractors legal duty to furnish information. 41 CFR 60-1.35(c)
Lending
Skills:
Analysis Skills, Auditing, Background Investigation, Communication Skills, Credit Risk, Credit Union, Customer Support/Service, Fannie Mae (FNMA), Federal Government, Federal Housing Administration (FHA), Federal Laws and Regulations, Investment Management, Leadership, Loan Documents, Loan Processing, Loan Review, Loan Underwriting, Marketing, Mortgage, Mortgage Insurance, Mortgage Lending, Organizational Skills, Problem Solving Skills, Regulatory Compliance, Residential Mortgages, Risk Analysis, Secondary Markets, Service Level Agreement (SLA), State Laws and Regulations, Time Management, Underwriting, Veteran Loans, Webinar
About the Company:
Credit Human
Apply Now
The role of the Senior Home Loans Underwriter is to analyze, assess and decision mortgage loan applications for Credit Human Home Loans in accordance with Credit Human lending guidelines, secondary market guidelines, FHA, VA, and Rural Housing requirements, as well as state and federal regulations. The incumbent must stay abreast of internal lending policies, practices, guidelines, lending systems and products, as well as external regulatory and economic environments.
The role is responsible for the review of all loan documentation to ensure accuracy, completeness, and compliance with internal, regulatory, mortgage insurance and investor guidelines in order to render loan decisions in a timely, accurate manner. Incumbent must develop sound working relationships with the Home Loans Production team to ensure accurate and timely decisions are made and communicated effectively to support a quality member service experience.
If you have mortgage industry experience, you should apply right away!
Highlights:
Underwrite files within our Service Level Agreement and act as the subject matter expert in the area of determining credit and collateral risk
Support and assist the Portfolio Manager in ensuring established performance and customer service goals are met
Take responsibility for problem resolution of non-routine underwriting issues; review exceptions from policy, guidelines, and procedures to render appropriate decisions within prescribed limits
Support Home Loans Leadership in development and implementation of new processes and procedures that increase department efficiency
Continually enhance product knowledge with respect to credit union, mortgage insurance, and secondary market guidelines through regular attendance of internal and external educational learning seminars and webinars
Experience:
Required
Minimum 7 years of experience in the mortgage industry
Preferred
Minimum 5 years of mortgage underwriting experience including conventional underwriting
VA underwriting experience
FHA underwriting experience including DE CHUMS
Education:
Required
High school diploma or equivalent
Preferred
Bachelors degree in business or related field
Licenses & Certifications:
Required
Requires eligibility to be registered as a Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS) and Registry
Preferred
NMLS registered
VA Lender Appraisal Processing Program (LAPP) approved
Skills & Knowledge:
Required
Knowledge of credit and collateral underwriting guidelines, rules and regulations governed by state and federal agencies
Knowledgeable in real estate underwriting principles to include secondary marketing automated underwriting engines
In-depth knowledge of Fannie Mae Guidelines, DU® guidelines and risk assessment tools used to decision mortgage loans
Ability to effectively communicate credit decisions
Ability to use sound judgment and possess strong decision-making skills
Strong analytical, problem solving and audit skills
Strong organizational skills and results orientation
Schedule: Monday-Friday, 8:30 am-5:30 pm
Flexibility: On site, in office; Not remote or hybrid
Level of Work: 2C
Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.
To get to know Credit Human and learn more about our benefits, visit our careers page atwww.credithuman.com/careers.
Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractors legal duty to furnish information. 41 CFR 60-1.35(c)
Lending
Skills:
Analysis Skills, Auditing, Background Investigation, Communication Skills, Credit Risk, Credit Union, Customer Support/Service, Fannie Mae (FNMA), Federal Government, Federal Housing Administration (FHA), Federal Laws and Regulations, Investment Management, Leadership, Loan Documents, Loan Processing, Loan Review, Loan Underwriting, Marketing, Mortgage, Mortgage Insurance, Mortgage Lending, Organizational Skills, Problem Solving Skills, Regulatory Compliance, Residential Mortgages, Risk Analysis, Secondary Markets, Service Level Agreement (SLA), State Laws and Regulations, Time Management, Underwriting, Veteran Loans, Webinar
About the Company:
Credit Human
Apply Now