Senior Mortgage Underwriter

This is an exciting opportunity to join our collaborative team-oriented team; but first, here is a little bit about Elements Financial:

WE MAKE MONDAYS MORE ENJOYABLE. There are many ways to describe the Elements culture: fun, meaningful, supportive, and full of opportunities. See here for more information - https://www.elements.org/careers/our-culture/

About the role

This is a hybrid role that requires some on-site work (inside our Indianapolis, Indiana office). In addition to the on-site duties, there are additional responsibilities that can be completed outside of the office, resulting in this being a hybrid role.

Responsibilities

• Assist the mortgage team with providing personalized, consistent, and quality service.
• Working knowledge of DU and LP automated underwriting systems and validation of input data to assure valid responses.
• Utilize expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation.
• Perform detailed appraisal reviews.
• Decision loans within assigned approval authority as determined by Elements Executive Management.
• Maintain in-depth knowledge of all products and services including FHA, VA, USDA, and Conforming and Portfolio loans.
• Analyze credit documents, including but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents.
• Possess authority and ability to underwrite all loan types: Fannie Mae, Freddie Mac, FHA, VAH, and USDA.
• Assist the Sales Team on deal structuring, guidelines, questions, and scenarios as required.
• Provide mentoring/coaching to the Processing Team to ensure conditions are met prior to final approval.
• Underwrite for home equity loan products, subordination, and modification requests.
• Provide timely responses to all voicemail and email communications.
• Other duties and responsibilities as assigned by management.

Qualifications

• You will make a difference as you live out our purpose: Assist the Sales Team on deal structuring, guidelines, questions, and scenarios as required.
• You will help grow the business: Analyze the risk of a loan transaction and provide justification and compensating factors to support loan decision. Cross-sell additional lending products as appropriate.
• You will continue to grow professionally: Continue to develop knowledge of industry practices, products, and professional growth. Participate in appropriate learning opportunities to maintain expertise.

Minimum Requirements:

• Must possess a bachelor's degree or five years of recent underwriting experience including FHA DE/CHUMS or VA SAR designations.
• Seven years' experience underwriting conventional loans may be substituted for government loan experience requirement.
• Must be familiar with all investor guidelines and experience with DU, LP, and GUS underwriting systems.
• Must possess a thorough knowledge of products, appraisals, tax returns, disclosure and compliance rules and regulations.
• NMLS Licensing as required.
• Strong collaboration and communication (oral and written) skills.
• Ability to leverage skills, knowledge, and experience to invest in our community.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability to foster an inclusive environment that promotes belonging.
• Ability