TPO Underwriter

Qualifications

OVERVIEW
At UHM, we understand diversity comes in many different forms. It’s our commitment to improve inclusion in the workplace through programs and policies that establish a positive and inclusive environment where every Partner, regardless of their background, can grow and excel. We value diversity, educate on equity, and create inclusive partner opportunities to ensure that you know #UBelongAtUHM!

Duties & Responsibilities

• Underwrite 3-4 new loans per day while minimizing any risk to the company by thoroughly analyzing a borrower’s income, credit, assets, ratios and the collateral to ensure compliance with our investors, agencies, HUD, VA, USDA or HFA’s, as applicable.
• Maintain 24-48 hour turn times.
• Clear UTC conditions within 24 hours.
• Prepare loans for risk committee.
• Make counter offers on loans that do not conform to products under which they were originated.
• Ensure the accuracy of all necessary criteria for specific loan types, products, rates, applicable documentation, and data.
• Maintain Quality Control ratings within company standards.
• Attend appropriate seminars, live and recorded courses to keep abreast on current market trends and developments.
• Sit in on roundtables when needed.
• Provide training support to sales force as needed.
• Listen in on departmental huddles.
• Assist loan officers, broker partners, and NDC Clients with scenarios and explain any conditions that are not clear to them.
• Assist in the development of new underwriters, broker coordinators, and processors.

Skills

• Strong analytical skills, especially in credit and risk, along with decision making skills.
• Effective interpersonal skills and technical report writing skills.
• Attention to detail.
• Knowledge of Encompass LOS.

Education & Experience

• 3-5 years of experience as an Underwriter and complete knowledge of the mortgage business.
• Bachelor’s degree preferred or equivalent work experience.
• Experience with FHA/VA/Agency loans.
• Direct Endorsement (DE).
• LAPP/SAR preferred.

Certificates, Licenses & Registrations

None

Equal Employment Opportunity Statement

Union Home Mortgage Corp. provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, amnesty or status as a covered veteran in accordance with applicable federal, state and local laws. Union Home Mortgage Corp. complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Union Home Mortgage Corp. expressly prohibits any form of unlawful employee harassment based on race, color, religion, gender, sexual orientation, national origin, age, genetic information, disability or veteran status. Improper interference with the ability of Union Home Mortgage Corp. employees to perform their expected job duties is absolutely not tolerated.