Appraisal Underwriter

Ruoff Mortgage • Fort Wayne, IN

23h

About The Position

Position Summary
Responsible for the review of conventional and government mortgage loan applications ensuring quality and compliance with company, investor & appraisal guidelines and meeting closing schedules.

Requirements

• Ability to read, write, and communicate at a level consistent with the requirements of this position, including legal documents and to non-technical staff.
• Ability to clearly organize information, understand relevant laws, identify and fix any financial discrepancies that may arise, and perform mathematical equations accurately.
• Ability to learn and support new systems and applications, and use critical thinking to make good decisions and meet deadlines.
• Demonstrated ability to handle multiple projects and details simultaneously; holds self to a high level of quality.
• Must be self-motivated and enthusiastic to obtain personal and company goals.
• Ability to stay organized to easily retrieve information and documents as needed.
• Bachelor’s degree in related field, preferred. High school diploma or equivalent is required.
• Minimum of three years’ mortgage loan underwriting experience, required.
• DE designation, required.
• Proficient with MS Office including Word, Excel and PowerPoint.
• Must maintain industry standard training according to company policies.
• Mostly sedentary, however, while performing the duties of this job, the employee is occasionally required to walk; reach with hands and arms; stoop; talk and hear.
• Extensive reading and computer use is expected more than 50% of the time. Receiving and expressing detailed information verbally, in person and by telephone is essential. Must be able to verbally communicate effectively with others.
• Occasionally lift and/or move up to 15 pounds.
• Regular attendance is necessary and essential to this position.
• Professional atmosphere in a branch environment
• Routinely uses office equipment such as computers, phones, photocopiers, filing cabinet and fax machine.

Responsibilities

• Completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.
• Evaluate the entire appraisal package and collateral for residential mortgage loans and ultimately ensure an “investment” quality loan product.
• Check accuracy of calculations.
• Assists with training of new underwriters.
• Recommend the loan disposition for loan amounts in excess of authority limitations to underwriting manager.
• Communicate decision on loans to appropriate parties both verbally and in writing.
• Be available to processors and correspondents for general guideline interpretations and questions on specific loan files.
• Respond to post-closing reviews and audits in a timely fashion.
• Maintains a professional image and standards consistent with company policies and procedures.
• Responsible for a high level of confidentiality and security while handling company information; verbal and/or written documentation.
• Performs other tasks as requested.

Benefits

• Health & Wellness: Enjoy comprehensive health insurance plans, including medical, dental, and vision coverage, to keep you and your family healthy.
• Retirement Savings: Take advantage of a 401(k) plan with company match to help you plan for your future.
• Paid Time Off: Benefit from paid vacation, holidays, and sick leave to ensure you maintain a healthy work-life balance.
• Professional Development: We support your growth with training, education, and opportunities for career advancement.
• Employee Assistance Program (EAP): Access confidential counseling and support services for personal or professional challenges.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level