Senior Underwriter

Key Responsibilities

• Analyze residential mortgage loan applications including credit reports, income documentation, asset statements, property appraisals, and other supporting documents
• Work closely with loan processors, originators, and closers to obtain missing information or clarify documentation
• Maintain current knowledge of loan program guidelines, compliance requirements, and market trends
• Utilize automated underwriting systems (e.g., DU, LP) and perform manual underwriting when necessary.
• Maintain productivity, quality, and turn-time standards as defined by management.
• Participate in internal and external audits by providing documentation and responses as requested

Basic Qualifications

• Proven experience with problem-solving skills and attention to detail
• Strong communication and interpersonal skills
• Ability to work independently and as part of a team
• Proficiency in Windows and Encompass (Encompass preferred)
• Strong problem-solving skills and attention to detail

Specific Qualifications

• Minimum of five years experience underwriting mortgage loans.
• Proficiency with Encompass and automated underwriting systems (DU, LP)
• In-depth knowledge of mortgage lending regulations and underwriting guidelines.
• Strong analytical and decision-making skills with a high level of accuracy and attention to detail.
• Excellent written and verbal communication skills.
• Ability to work independently and manage a high volume of files in a fast-paced environment.
• DE (Direct Endorsement) certification for FHA loans.
• SAR/LAPP approval for VA loans (Preferred)

Benefits

• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

In Summary

If you are looking for an opportunity to contribute to a growing organization that values your skills and expertise, we want to hear from you. At Village Capital & Investment LLC, we believe in fostering a supportive and inclusive work environment that encourages professional growth. Apply today to take the next step in your career with us!