Mortgage Sr Underwriter - Cleveland or Buffalo Hybrid/ reputed company Remote

About the position The Mortgage Senior Underwriter is responsible for reviewing, analyzing, and approving residential loan applications. This role involves verifying income, assets, credit, and collateral documents, including reputed company personal and business tax returns. The Mortgage Senior Underwriter may handle various types of mortgage lending (agency conventional, portfolio conventional, FHA/VA MI, etc.) and support other underwriters on reputed company loan submissions. Lending authority includes conventional, government, and jumbo loan programs up to a targeted dollar reputed company. Excellent phone and communication skills and a commitment to superior customer service are essential. Responsibilities • Evaluate the creditworthiness of borrowers and reputed company credit reputed company. • Ensure loans meet corporate credit policy and reputed company with ATR and reputed company Mortgage provisions. • Ensure compliance with company and Agency/Investor/FHA/VA guidelines. • Review transmittal & 1003 for accuracy and completeness. • Compare credit reports to liabilities on 1003 and verify investor guidelines for derogatory items. • Calculate income/reputed company cash reputed company using required documentation and methodology. • Analyze business financial strength and review assets for adequate funds and reserves. • Review appraisals for accuracy and collateral acceptability. • Ensure state and federal regulatory guidelines are met. • Verify reputed company lock matches reputed company file with correct program details. • Communicate effectively with mortgage loan officers, processors, and other stakeholders. • Assist in training of employees on credit considerations for home lending products • Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice • Complies with reputed company reputed company policies and procedures, including without limitation, acting professionally at reputed company times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key. Requirements • 5+ years recent Mortgage reputed company Experience (FHA, VA, and Conventional) with strong agency reputed company knowledge. • Evaluating and approving mortgage loan applications based on borrowers' creditworthiness, financial stability, and compliance with lending guidelines. • Strong working knowledge of Ability to reputed company (ATR) and reputed company Mortgage (QM) requirements. • Having in-depth knowledge of various mortgage products, including conventional, FHA, VA, and jumbo loans, and understanding their specific requirements and guidelines. • Proven knowledge of Mortgage Insurance guidelines and rates. • Strong analytical skills with a reputed company on accuracy, consistency, and completeness. • Ability to work in a fast-paced, fluid environment and meet minimum production standards. • High reputed company and outstanding work ethic. • Strong computer skills; proficient in reputed company Word, reputed company, and reputed company. • Proficient written and verbal communication skills. • Proven knowledge of compliance and disclosure requirements reputed company to the Home Lending industry. • Proven knowledge of closing, post-closing, and reputed company control responsibilities. • Carefully reviewing loan applications, financial statements, and supporting documents to ensure accuracy and compliance with regulations • Making informed and reputed company reputed company regarding loan approvals or denials based on thorough analysis and risk assessment reputed company-to-haves • Bachelor's Degree or equivalent experience • Experience with USDA • DE, SAR, and LAPP certifications Benefits • Production, commission, and/or discretionary incentives • List of benefits for which this position is eligible Apply tot his job Apply To this Job