Job Title

Full Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities:  Knowledge of mortgage underwriting and Agency automated underwriting systems  Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines  Review all mortgage applications and documentation for accuracy and completeness  Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral.  Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators  Review property documentation including title commitments, sales contracts, insurance, and flood determinations  Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud  Review and analyze appraisals for value and compliance with industry requirements  Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience  Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client  Maintain confidentiality of all customer and employee information  Respond positively to feedback and redirection  Fully utilize systems, tools, training, and resources provided to maximize potential  Assist other departments as needed  Meeting daily production.  Meeting the daily SLA requirement  Meeting the daily Quality requirements Qualifications Education: Bachelors in any stream. Experience : 2+ years’ increasingly responsible experience in related areas. Knowledge/Skills/Abilities:  Experienced mortgage professional with 2-3 years with mortgage underwriting.  Has a complete understanding of Conventional, FHA and VA underwriting guidelines.  Has working knowledge of real estate lending criteria and federal, state, and agency compliance  Can multi-task and manage time efficiently  Has strong organizational skills, attention to detail, and basic Microsoft Office skills  Good analytical and problem-solving skills.  Strong organization and verbal and written communications skills.  Highly adaptive and open to changes as the organization grows and its needs evolve.