Underwriter (2)

Position Summary:The Loan Underwriter is responsible for underwriting residential mortgage loans for Risewell Homes. This role evaluates loan documentation for accuracy, completeness, and compliance with investor and agency guidelines to ensure loan quality, mitigate risk, and support a seamless lending process. Responsibilities: • Review all loan submissions submitted by origination staff and generate initial credit decisions in accordance with FNMA, FHLMC, FHA, VA, USDA, Bond and other investor guidelines as well as internal overlays.• Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines. • Perform credit and property analysis on conventional and government loan files. • Analyze complex tax returns and accurately calculate income. • Input data and notes into the Encompass loan system. • Maintain quality and production standards as set forth by management. • Effectively communicate, orally, in writing, and via email, the decisions reached to maintain positive working relationships with coworkers and customers.PersonalProfessional Standards: • Project an image of professionalism through demeanor and appearance while acting with integrity and honesty. • Strive for teamwork and cooperation and actively participate in goals for self-improvement. KeyQualifications: • Highschool diploma; or general education degree (GED) required • 4-year college degree preferred • Direct Endorsement (DE) and/or LAPP/SAR certifications • Must have working knowledge of Encompass or other LOS systems • Proficient in Excel, Word, Outlook, PowerPoint.• Conventional and Government underwriting experience. • Superior knowledge of and experience with property and credit underwriting requirements of FNMA, FHLMC, FHA and VA, as well as other loan programs and private mortgage insurance companies • Capability of working in a fast-paced environment, under pressure and meet time-sensitive deadlines, all while maintaining a high level of professionalism • Superior analytical, organizational and problem-solving abilities • Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision.• Ability to exhibit professional written and verbal communication • Excellent organizational and time management skills • Demonstrated ability to interact effectively with others both internal and external • Demonstrated judgment and decision-making ability • Strong attention to detail, organization skills and follow-through capabilities BaseSalary:The expected base salary for this position is between $80,000 to $90,000 per year, depending on experience and skillset. Base salary is paid bi-weekly.Why Work for Universal Lending Corporation: Universal Lending Corporation was founded nearly 40 years ago on the principle that our customers deserve individual and specialized attention throughout the mortgage process. We offer an inclusive, diverse, and collaborative culture where people from all backgrounds can thrive. At Universal Lending Corporation, you can work with other passionate, purposeful, and customer-centric people, all sharing the same goal of helping people achieve their dreams. Universal Lending Corporation offers a competitive compensation package based on experience and skill, including a comprehensive benefits package inclusive of Medical, Dental, and Vision.Physical Requirements:This is primarily a sedentary position. Requires the ability to hear, type and talk. Finger dexterity is required to operate a computer keyboard. The primary work location is a corporate office with low to moderate noise levels. The physical demands and work environment characteristics described are representative of those that must be met by an employee to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.SupervisoryResponsibilities:This position does not supervise other employees. Travel Requirements: Occasional travel may be required. A valid driver’s license and active vehicle insurance is required at all times. FLSA Classification: Non-Exempt Disclaimer: Universal Lending Corporation is an equal opportunity employer. Candidates must be authorized to work in the United States. The statements above are intended to describe the general nature and level of work being performed by individuals assigned to this role.Management retains the discretion to add, modify, or remove job duties at any time. Apply tot his job