Renovation and Construction Underwriter

Responsibilities

• Review all loan submissions submitted by production and origination staff and generate initial credit decision in accordance with FNMA, FHLMC, FHA, VA, Bond, 203k, Construction (One Time Close/Construction to Perm) 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.

Qualifications

• Government underwriting experience; CHUMS and/or SAR ID.
• Superior knowledge of and experience with property and credit underwriting requirements of FNMA, FHLMC, FHA, VA, Bond, 203k, Construction (One Time Close/Construction to Perm) 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.