Retail Staff Underwriter II

Retail Staff Underwriter II
Location
US-MS, AL, Houston, TX; Memphis, TN; Panhandle FL; Atlanta, GA
Job ID

Category
Underwriting
Type
Regular Full-Time
Job Grade
12
FLSA Status
Exempt
Working Hours
8am - 5pm
Job Location: Company
Credit Compliance #10153
Overview

The responsibilities of this job are to provide support to the retail and wholesale platform in loan decisions, underwriting guidance, and scenario questions based on GSE guidelines and requirements while ensuring and maintaining quality.

Responsibilities

Provide assistance to both retail and TPO originators, processors, for questions regarding guidelines, income requirements scenarios.
• Maintain a small pipeline of loans to decision for final approval based on underwriting authority delegations.
• Review all appraisal types for final approval including issuing NOV's and HFS/USDA conditional requirements.
• Stay updated and attend refresher training for all investor guidelines.
• Review and respond to management for all QC/QA exceptions.
• Associates are expected to perform all additional duties as assigned.

Qualifications

Education:
High School Diploma or GED

Experience:
5 years In underwriting FNMA/FHLMC, FHA, USDA and VA loans

Additional Required Qualifications

• FHA DE certification
• VA SAR and certification
• Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans
• Documented experience in mortgage loan underwriting
• General understanding and knowledge of underwriting and compliance guidelines
• Working knowledge and experience with DeskTop Underwriter System
• Exceptional organizational skills and strong communication skills
• Superior problem-solving skills
• Excellent customer service skills
• Working knowledge of Excel, Word, and other PC applications
• College education preferred

Physical Requirements & Working Conditions:
Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Disclaimer:
Management retains the right to add, delete or modify the responsibilities and qualifications of the position at any time.

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