Residential Credit Underwriter

This is a fully remote position, open to applicants in United States.

📋 Description

• Underwrite residential mortgage loans in compliance with Conventional guidelines.

• Enter data and analyze results using Loan Prospector, Desktop Underwriter, Assetwise, various AUS engines, and OES.

• Identify and evaluate overall risk and potential fraud exposure arising from clients' business practices.

• Review credit reports to assess credit patterns, current liabilities, outstanding judgments, and collections.

• Examine residential mortgage appraisal forms and calculate Loan to Value ratios.

• Analyze income from salaried positions, commissions, self-employment, investments, and fixed income sources.

• Execute other related tasks as assigned.

⛳️ Requirements

• High School Diploma or equivalent qualification.

• Associate degree or comparable industry experience is necessary.

• A minimum of 3 years of relevant industry experience is essential.

• Over 3 years of securitization experience is required.

• At least 3 years of recent frontline (manual and automated) underwriting experience with Conventional, FHA, and/or VA knowledge.

• Strong analytical and problem-solving capabilities are a must.

• Proficient in Microsoft Office Suite, including Word, Excel, and PowerPoint.

• Current knowledge of Fannie/Freddie guidelines, back-end quality control, and fraud audit experience is required.

🏝️ Benefits

• Medical

• Dental

• Vision

• 401k