Retail Staff Underwriter II

About the role

Provide support to the retail and wholesale platform in loan decisions, underwriting guidance, and scenario questions based on GSE guidelines and requirements while ensuring and maintaining quality.

Responsibilities

• Assist both retail and TPO originators and processors with questions regarding guidelines, income requirements, and scenarios.
• Maintain a small pipeline of loans to decision for final approval based on underwriting authority delegations.
• Review all appraisal types for final approval, including issuing NOVs and HFS/USDA conditional requirements.
• Stay updated and attend refresher training for all investor guidelines.
• Review and respond to management for all QC/QA exceptions.
• Perform all additional duties as assigned.

Requirements

• High School Diploma or GED.
• 5 years of underwriting experience with FNMA/FHLMC, FHA, USDA, and VA loans.
• FHA DE certification.
• VA SAR certification.
• Experience underwriting FNMA/FHLMC/FHA/VA/USDA Rural Housing investor loans.
• Documented experience in mortgage loan underwriting.
• General understanding and knowledge of underwriting and compliance guidelines.
• Working knowledge and experience with Desktop Underwriter System.
• Exceptional organizational and strong communication skills.
• Superior problem-solving skills.
• Excellent customer service skills.
• Working knowledge of Excel, Word, and other PC applications.

College education preferred.

Physical Requirements & Working Conditions

Must be able to sit for long periods of time and use a computer keyboard and/or mouse requiring hand and wrist manipulation while viewing computer screens.