Sr. Underwriter

Position Summary : Primary responsibilities include providing the thorough evaluation of credit and property documents in loan files, identify potential risks, and advise as to the appropriate decision of the file as it relates to approving, declining or suspending the loan based upon New American Funding's underwriting guidelines concerning borrower eligibility and investors' requirements.

Other duties include maintaining underwriting turn times, working with processors and loan officers to provide guidance on a case-by-case basis, and keep up with guidelines as set forth by VA and FHA, as well as Fannie Mae, Freddie Mac and Ginnie Mae.

Responsibilities Review all loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, FHA, VA, Bond and other private investor guidelines as well as internal overlays.

Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines.

Perform credit and property analysis on conventional and government loan files. Analyze complex tax returns and accurately calculate income.

Perform timely reviews of submitted conditions and loan resubmissions. Input data and notes into the Encompass loan system. Maintain quality and production standards as set forth by management.

Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers.

Other duties may be assigned.

Qualifications Government underwriting experience; CHUMS and/or SAR ID. Superior knowledge of and experience with property and credit underwriting requirements of FNMA, FHLMC, FHA and VA, as well as other loan programs and private mortgage insurance companies.

Excellent written and oral communication skills. Superior analytical, organizational and problem solving abilities. Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision.

Capability of working in a fast-paced environment, under pressure and meet time-sensitive deadlines, all while maintaining a high level of professionalism.

Desired Education/Experience : High School diploma or equivalent. Five or more years' mortgage underwriting experience. Current experience underwriting VA mortgage loans.

Direct Endorsement (DE) and/or LAPP/SAR certifications. Other

Duties: This job may require frequent sitting or standing for long periods of time.

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned in order to meet the needs of the organization.

Work Authorization: Must be able to verify identity and employment eligibility to work in the U.S. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

VISION : See in the normal visual range with or without correction. HEARING : Hear in the normal audio range with or without correction. [EOE/M/F/D/V.

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