Underwriter

• Clear conditions, including but not limited to credit and title conditions
• Prep loan files for review by an Underwriter to determine eligibility within HomeXpress’ guidelines
• Assisting Underwriters as needed to move pipeline in a forward trajectory
• Verify completeness of credit file
• Calculate income
• Confirm qualified Change of Circumstances and reprice loans as needed
• Run reports and interact with various third-party vendors

• Capable of underwriting a minimum of 3-4 new loans per day.
• Review conditions in a timely manner to remain in compliance with posted turn times.
• Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
• Review Income documentation and calculate income per investor and company guidelines.
• Review Assets to determine reserves and cash to close per investor and company guidelines.

• Conforming and Non-QM Underwriting Guidelines
• Strong verbal & written communications skills
• Strong problem solving skills
• Excellent interpersonal, customer service and organizational skills
• High level math aptitude
• Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.
• Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
• Superior knowledge of personal computers and applicable software.

• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

• Monday to Friday

• Wholesale Underwriting: 1 year (Required)
• Non-QM: 2 years (Required)

All your information will be kept confidential according to EEO guidelines.