Underwriter

About the role

At Acra Lending, our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company. We are looking for candidates to join our team who are passionate about their vocation. They are committed to making a contribution and are looking to gain experience in order to grow in their career.

Essential Duties And Responsibilities

• Manually underwrite mortgage loan files.
• Review and analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Acra Lending policies and guidelines.
• Measure multiple events in an applicant’s file and review application contingencies to quantify associated risk.
• Exercise judgement to determine correct items to request from applicants and to make accurate credit decisions.
• Responsible for frontline underwriting of new loan files, suspense reviews, condition reviews, re-works, etc. while adhering to production standards, staying within established turn-time timeframes and meeting minimum loan quality standards.
• Able to perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues.
• Computer literate to include experience using Microsoft applications with mortgage industry standard software. Experience with Doc Velocity (paperless system) and BytePro a plus.
• Other duties as assigned.

Qualifications

• Ability to develop strong understanding of Acra's Underwriting guidelines.
• Experience performing manual underwrites of mortgage loan files.
• Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants.
• Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements.
• Ability to communicate effectively in both verbal and written form and ability to explain credit decisions.
• Strong time management skills to effectively plan and organize a high daily loan volume.
• Detail-oriented team player able to work constructively with fellow employees.
• Self-motivated with good interpersonal skills.
• Well organized and able to process detailed information with accuracy and efficiency.
• Ability to develop strong understanding of Acra's Underwriting guidelines.
• Ability to apply common sense understanding to carry out detailed instructions.
• Ability to deal with problems involving a few concrete variables in standardized situations.

Pay

Pay Range: $85,000 - $95,000 based on experience

Benefits

• Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.