Sr Mortgage Credit Underwriter (work from home)

Role And Responsibilities

• Review and analyze mortgage loan applications, credit reports, appraisals, income, and asset documentation according to agency and non-agency guidelines and mortgage regulations.
• Effectively communicate and explain credit decisions to loan officers and processors.
• Excellent communication skills required to partner with sales on high profile clients.
• Strong sense of urgency and ability to determine priorities to assist sales and processing partners with excellent client experience.
• Perform timely reviews of conditions submitted as well as loan resubmissions.
• Maintain high standard of credit quality as defined by Credit Policy and Credit Risk, to ensure salability and meet investor and portfolio requirements.
• Maintain production standards as defined by business.
• Provide a remarkable customer service experience to both internal staff and external customers.
• Excellent communication, analytical, decision-making, and computer skills required.
• Perform other job-related duties and special projects as required.

Qualifications

• A minimum of 8-10 years of experience underwriting agency, non-agency, Mortgage Insurance loans and appraisals.
• Experience and knowledge of FNMA, FHLMC, and Private Mortgage insurance property and credit underwriting guidelines.
• Strong understanding of complicated transactions and tax return analysis multiple businesses and property transactions, RSU income, asset based cash flow etc.
• Experience effectively and independently making credit decisions and providing underwriting support to other business functions.
• Knowledge and experience reviewing mortgage applications according to the US mortgage regulations