Senior Government Underwriter

HomeXpress Mortgage Corp•Santa Ana, CA

2d•$90,000 - $100,000•Remote

About The Position

PRIMARY FUNCTIONS: The Underwriter (UW) applies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a “knowledge bank” in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage’s clients.

Requirements

5+ years of experience in mortgage underwriting
At least one government underwriting designation: VA LAPP/SAR, or FHA DE
Manual underwriting to FHA and VA handbook requirements
AUS proficient
Computer proficient in Excel, Word, Outlook, and various LOS
Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail.
Ability to communicate issues between several audiences proficiently
Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

Responsibilities

Analyze submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines
Properly Condition loans per Underwriting Guidelines and AUS as applicable
Communicate decisions to appropriate individuals
Clear all underwriting conditions
Ensure the highest quality and level of customer satisfaction
Resolve Quality Control and Post Closing deficiencies
Collaborate with sales for positive customer experience
Render decisions, clear conditions, and issue CTC
Meet daily and monthly targets for productivity
Maintain acceptable quality, and
Provide a high level of customer service