Mortgage Underwriter III Gulfport Telecommuter 5130

About the role

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include: Medical, dental, and vision insurance.

Responsibilities

• Validate the accuracy of all calculations and loan documentation provided.
• Responsible for underwriting all mortgage loan types including all government loans.
• Completes a thorough analysis of loan files to determine guideline compliance with Keesler Federal, GSE agency, and investor guidelines.
• Analyze Credit, Capacity, Capital, Collateral, and Character to ensure the file meets guidelines and regulatory requirements.
• Maintains service levels to provide established turn times.
• Provides general guidance to Loan Processors and Loan Originators for loan file.
• Affords assistance in internal quality control, audit review issues, and responds to audit findings.
• Stays updated on PMI, GSE, and Portfolio Loan Products.
• Maintains up-to-date knowledge of Mortgage policies and guidelines.
• Responsible for compliance with all Federal Mortgage regulations.
• Ensures compliance with applicable federal, state and local laws and regulations.
• Maintains knowledge of and adheres to Keesler Federal internal compliance policies and procedures.
• Addresses loan issues in a timely manner to ensure an extraordinary member experience resulting in no disruption to closing date established at time of origination.
• Addresses loan issues in a timely manner to ensure no disruption to closing date established at time of origination or processing.
• Mentor Mortgage Loan Underwriters I and II with loan decision-making.
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Ability to Repay/Qualified Mortgage Rule and TRID.

Qualifications

• Direct Endorsement Certification and SAR approval required.
• Minimum of 4 years of current mortgage underwriting experience required.
• 2 years of government underwriting experience Required.
• Advanced underwriting, advanced tax return analysis, advanced collateral assessment (appraisal analysis).
• Expert knowledge with FHA Connection, FHA EAD, VA WEB LGY, USDA GUS, DU, and LPA.
• Advanced ability to analyze complex income, assets, credit and collateral.
• Advanced problem solving, analytical and resolution skills.
• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).

Skills

• Bachelor’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position preferred.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Other Requirements

• FHA Direct Endorsement Certification and VA SAR approval.
• Direct Endorsement Certification and SAR approval required.
• Minimum of 4 years of current mortgage underwriting experience required.
• 2 years of government underwriting experience Required.
• Advanced underwriting, advanced tax return analysis, advanced collateral assessment (appraisal analysis).
• Expert knowledge with FHA Connection, FHA EAD, VA WEB LGY, USDA GUS, DU, and LPA.
• Advanced ability to analyze complex income, assets, credit and collateral.
• Advanced problem solving, analytical and resolution skills.
• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).