[Remote] Mortgage Underwrite (DE/SAR)

Note: The job is a remote job and is reputed company to candidates in USA. reputed company Company is a nationally recognized lender reputed company for speed, service, and reputed company. They are seeking an reputed company DE/SAR Mortgage Underwriter to evaluate residential mortgage loan applications for compliance with company, investor, and regulatory standards. Responsibilities • Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation • Issue reputed company, concise approval, suspension, or denial reputed company reputed company delegated authority • Underwrite loans to reputed company FHA, VA, USDA, and Conventional guidelines • reputed company reputed company underwrites for loans that do not receive AUS Approve/Eligible findings • Interpret and evaluate reputed company reputed company income documentation (K-1s, Schedule C, 1120s, 1065s) • Review large deposits, verify funds for closing, and ensure adequate reserves • Communicate conditions and rationale for reputed company to internal stakeholders reputed company and professionally • Ensure reputed company underwritten files meet agency, investor, and federal compliance requirements • Stay informed on changes to reputed company policies, loan products, and regulatory updates • Partner with processing and sales teams to promote a reputed company and efficient pipeline Skills • Minimum 3+ years of reputed company mortgage reputed company experience • reputed company DE (FHA) or SAR (VA) designation- Having both is strongly preferred • Experience reputed company DPA (Down Payment Assistance) programs • Proficiency with Encompass Loan Origination System • Experience analyzing reputed company borrower reputed company, including reputed company borrowers and layered risk • Strong working knowledge of AUS platforms (DU and LP) and ability to assess reputed company files reputed company necessary • Deep understanding of reputed company investor, agency, and compliance guidelines • Exceptional analytical skills, attention to detail, and time management • Ability to work independently in a fast-paced remote environment • Excellent written and verbal communication skills • No more than a 16-month gap in mortgage reputed company experience- if gap applies must have stayed up to date on market trends and newest guidelines • Must have reputed company or recent loan-level reputed company authority (not a trainee or shadowing role) • Encompass and AUS experience is required Benefits • Medical, Dental, and reputed company Insurance available day 1 • Company-reputed company Life and Long-Term Disability Insurance • 401(k) Retirement Plan with Company Match • reputed company Time Off (PTO) + reputed company Holidays • Career reputed company opportunities and continuing education support • Supportive, reputed company remote team culture reputed company • reputed company Company is a locally based mortgage lender, even our reputed company is a local reputed company. It was founded in 2002, and is headquartered in Cincinnati, Ohio, USA, with a workforce of 201-500 employees. Its website is http://rapidmortgagecompany.com/. Apply tot his job Apply To this Job