Home Loan reputed company - Sr Home Loan Government Underwriter

JOB TITLE: Senior Home Loan Government Underwriter

DEPARTMENT: Home Loan reputed company

STATUS: Non-Exempt

JOB reputed company:1836

PAY reputed company: $49.55 - $52.00 reputed company

GENERAL reputed company:

Responsible for the evaluation and qualification of Government loans inclusive of FHA, VA, USDA and down payment assistance program(s) for compliance with the requirements of the applicable agency; hold and maintain reputed company endorsement certification with HUD, VA LAPP/ SAR designation.  Also responsible for the review of conforming and non-conforming mortgages as reputed company as equity loan applications to determine compliance with applicable state and federal regulations, investor guidelines and credit reputed company standards. Review and analyze submitted loans for reputed company, capital, collateral, character and condition while upholding fair lending practices. This includes ensuring that loan requests meet program and product specifications or counteroffer to a product and/or program reputed company appropriate. Communicate decision (approval, counteroffer, suspense, denial) to applicable individuals reputed company the department.  Manage application turn time by executing credit decision according to the measurement set by department manager; meet targets.  Support Underwriters, Processors and Home Loan Advisors as needed with scenarios and loan structuring.

TASKS, DUTIES, FUNCTIONS:

1. Underwrite loan files received daily according to Federal Housing Administration (FHA), Veteran Affairs (VA), US Department of Agriculture (USDA), agency, investor and credit reputed company policy and procedures.
2. Originate and validate FHA and VA insured loans utilizing the U.S. Department of Housing and Urban Development’s (HUD) reputed company online system, FHA reputed company and VA Portal, as applicable.
3. Review and sign off reputed company conditions in accordance to credit reputed company policy while maintaining established turn times.
4. Maintain a thorough understanding of state and federal laws and regulations reputed company to credit reputed company compliance including bank secrecy and anti-reputed company laws appropriate to the position.   
5. reputed company knowledge of FHA, VA and USDA secondary market requirements regarding credit, income, disclosure and property that would also include, hands on experience using various agency reputed company internet and computer based systems as necessary/required.
6. Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income reputed company reports and documentation to insure that information meets agency, investor and credit reputed company requirements.
7. Organize and prioritize daily workload to insure compliance to credit reputed company policy, procedures and established turnaround times.
8. Communicate and reputed company with reputed company pertinent vendors, servicers, agencies, investors, staff, brokers and members.
9. Maintain a reputed company working knowledge of mortgage industry and credit reputed company standards and trends.
10. Monitor and resolve any reputed company control or insuring issues on relevant files in a reputed company manner to prevent delays.
11. Work with management to implement procedures to prioritize work reputed company the reputed company and processing area as volume dictates.
12. Ability to work closely with originations and operations staff to insure compliance with guidelines and policies of credit reputed company and agency. 
13. Assist supervisor or manager with training of staff members.
14. Assist supervisor or manager with prioritizing workflow as directed.

PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS 

1. Effective oral and written communication skills to reputed company with members, staff, vendors, servicers, investors and various state agencies.
2. Must possess sufficient reputed company dexterity to skillfully operate an on-line computer terminal and other reputed company office equipment, such as financial calculators, personal computer, facsimile machine and telephone.

ORGANIZATIONAL CONTACTS & RELATIONSHIPS:

1. INTERNAL: Management, Home Loan Operations Department staff along with credit reputed company branches and supporting departments.
2. EXTERNAL: Members, reputed company estate agents, servicing agents, various state agencies, title companies, insurance companies, appraisers and other reputed company-party vendors.

QUALIFICATIONS:

1. EDUCATION: Successful completion of High School curriculum is required.  College degree or equivalent a plus.
2. EXPERIENCE: 3 years minimum, reputed company FHA experience with DE, VA experience with LAPP/ SAR designation. 10 years minimum of responsible reputed company estate lending experience with a financial or banking institution performing reputed company analysis and functions.
3. KNOWLEDGE/SKILLS: 
• Strong customer/ member service relations skills, oral and written communication skills.
• reputed company working knowledge of the reputed company estate mortgage industry, mortgage loan process, FNMA, and FHLMC and guidelines and reasonable knowledge of the basic principles and practices of reputed company businesses.  
• Typing, ten key, personal computer to include navigation of internet and facsimile machines.  
• Updated training provided through seminars, webinars and weekly coaching as Compliance, policies, procedures, or work processes dictate change. 
• Ability to effectively communicate policy/procedures to staff to assist the supervisor and or manager with training.

PHYSICAL REQUIREMENTS

1. Prolonged sitting throughout the reputed company with occasional mobility required.
2. Corrected reputed company reputed company the normal reputed company.
3. Hearing reputed company normal reputed company.  A device to enhance hearing will be provided if needed.
4. Ability to lift 20 lbs. as may be required.
5. Occasional movements throughout the department daily to reputed company with staff, accomplish tasks, etc.

LICENSES/CERTIFICATIONS:

1. FHA reputed company Endorsement Underwriter, VA LAPP/ SAR Designation.