Mortgage Underwriter III Gulfport Telecommuter 5130

Keesler Federal Career • Gulfport, MS

44d • Remote

About The Position

The Mortgage Underwriter III position requires a minimum of 4 years of current mortgage underwriting experience to include 2 years of government underwriting. Must be DE and SAR approved. This role is responsible for underwriting all mortgage loan types, including government loans, and completing a thorough analysis of loan files to determine guideline compliance with Keesler Federal, GSE agency, and investor guidelines. The position involves analyzing Credit, Capacity, Capital, Collateral, and Character to ensure files meet guidelines and regulatory requirements, maintaining service levels for established turn times, and providing guidance to Loan Processors and Loan Originators. Additionally, the underwriter will assist in internal quality control, audit reviews, and respond to audit findings, while staying updated on PMI, GSE, and Portfolio Loan Products, as well as Mortgage policies and guidelines. Compliance with all Federal Mortgage regulations, including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Ability to Repay/Qualified Mortgage Rule and TRID, is essential. The role also includes mentoring Mortgage Loan Underwriters I and II.

Requirements

• Direct Endorsement Certification and SAR approval required.
• Minimum of 4 years of current mortgage underwriting experience required.
• 2 years of government underwriting experience Required.
• Advanced underwriting, advanced tax return analysis, advanced collateral assessment (appraisal analysis).
• Expert knowledge with FHA Connection, FHA EAD, VA WEB LGY, USDA GUS, DU, and LPA.
• Advanced ability to analyze complex income, assets, credit and collateral.
• Advanced problem solving, analytical and resolution skills.
• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).
• FHA Direct Endorsement Certification and VA SAR approval.
• Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners.
• Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns.
• Maintains a courteous, cooperative, and service-oriented approach in a variety of work situations, including those involving differing perspectives or needs.
• Builds positive working relationships and contributes to a collaborative, inclusive, and member-focused environment.

Nice To Haves

• Bachelor’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position preferred.

Responsibilities

• Validate the accuracy of all calculations and loan documentation provided.
• Responsible for underwriting all mortgage loan types including all government loans
• Completes a thorough analysis of loan files to determine guideline compliance with Keesler Federal, GSE agency, and investor guidelines.
• Analyze Credit, Capacity, Capital, Collateral, and Character to ensure the file meets guidelines and regulatory requirements.
• Maintains service levels to provide established turn times.
• Provides general guidance to Loan Processors and Loan Originators for loan file.
• Assists in internal quality control, audit review issues, and responds to audit findings.
• Stays updated on PMI, GSE, and Portfolio Loan Products.
• Maintains up-to-date knowledge of Mortgage policies and guidelines.
• Responsible for compliance with all Federal Mortgage regulations.
• Proficient in all mortgage department systems related to underwriting.
• Ensures compliance with applicable federal, state and local laws and regulations.
• Maintains knowledge of and adheres to Keesler Federal internal compliance policies and procedures.
• Addresses loan issues in a timely manner to ensure an extraordinary member experience resulting in no disruption to closing date established at time of origination.
• Addresses loan issues in a timely manner to ensure no disruption to closing date established at time of origination or processing.
• Mentor Mortgage Loan Underwriters I and II with loan decision-making.
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Ability to Repay/Qualified Mortgage Rule and TRID.
• Other duties as assigned.

Benefits

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree