Underwriter

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Responsibilities

Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines. Dependent on division, functions include:

• Reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value)

• Examining transactions to ensure accuracy and completeness

• Preparing formal reports for review

• Ensuring that documents are consistent and uphold to company and industry guidelines

• Implementing fraud detection techniques, performing compliance reviews

• Assisting with re-negotiations of loans based on lending guidelines, serving as a consultant/technical resource on difficult problems and questions

• Handling escalated calls

• Providing work direction, feedback and training to underwriting staff including mentoring lower level underwriters on credit decisioning, department procedures and policies

• Delivering/facilitating of technical training to ensure organizational consistency

• Has exception authority

• May act as a team lead and provide performance feedback to less senior underwriters

• May act as backup in absence of Supervisor

Basic Qualifications

5+ years underwriting experience.

Minimum Qualifications

• Advanced income analysis with includes experience in reviewing Self employment, Corporate, and Partnerships tax returns

• Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation

• Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates

• Prior experience underwriting/signing authority of $750k or higher

• Ability to handle confidential material in a professional, highly ethical manner

• Excellent verbal and written communication skills and possess a high degree of attention to detail

• Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers

• Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals

• Experience in talking with the borrower about loan decision

• Must be able to work in a production/flexible environment

• Work overtime as needed

• Intermediate PC and keyboarding skills, including experience with Windows operating systems

Preferred Skills

• Experience underwriting Non-Conforming and/or Bond loans

• FHA/VA Underwriting Experience DE/CHUMS and /or LAPP

Requirements

Four

years experience mortgage underwriter
Excellent communication skills
Excellent computer skills

There are 100 positions available immediately for experienced candidates , excellent bonus opportunities monthly , excellent benefits and advancement opportunities

Excellent starting salaries. Qualfied candidates should forward resumes in confidence to
amoore@diamondstaffinginc.com