Government Underwriter

JMAC Lending•Costa Mesa, CA

12d•$45 - $53•Remote

About The Position

The Government Underwriter is responsible for reviews and evaluates information on mortgage loan documents to determine if the borrower, property, and transaction meet JMAC guidelines. JMAC Lending has funded more than $20 billion in mortgage loans. The Conventional / Government underwriter is responsible for rendering a decision within company guidelines and communicating the decision to all applicable parties. Must be able to work independently, or as a team; have critical thinking skill, have excellent written, and verbal communication skills. Maintains exceptional customer service to remain consistent with company culture. This role will deal with numbers, calculations and must possess a good auditing and analytical skills including a firm knowledge on math. A good skill in decisions making is also vital since the major of mortgage underwriters are deciding and evaluating whether to approve or deny the client's loan application. This is a Full-Time/Remote opportunity with varying working 8:00-5:00 in both Pacific and Central time zones Monday-Friday offering competitive pay ranging from $44.71 to $52.88 hourly plus bonus.

Requirements

At least 2 years of recent experience as a DE and SAR Underwriter.
A minimum of 2 years of recent expertise in FHA and VA lending.
A thorough understanding of current FHA and VA guidelines.
Familiarity with federal and state regulations in the mortgage banking sector (including TRID, ECOA, Fair Lending, etc.) is essential.
Proficient knowledge of DU/LP/TOTAL Scorecards is required.
Excellent communication skills with the ability to engage effectively with brokers.

Nice To Haves

Preference for candidates with 6 months or more experience in USDA/RD, though it's not mandatory.

Responsibilities

Review credit documents in accordance to JMAC, FHA, and VA guidelines.
Review borrower’s income and assets in accordance to JMAC, FHA, and VA guidelines.
Review subject property title and appraisal in accordance to JMAC, FHA, and VA guidelines.
Must be able to make loan decisions independently (Approve or Decline).
Sign off on conditions.
Verify the consistency of information throughout the file
Utilize FHA Connection, FHA EAD, VA VIP/WebLGY, and GUS to complete, correct, or verify the validity of required forms.
Complete assigned files within established turn times.
Maintain communication, and customer service with file contacts throughout the loan process.
Other duties as assigned.
Based on business needs overtime may be required.