With more than 100 years of banking experience under our belts, we've learned that no two people have the same mortgage lending needs. Our lenders go beyond the traditional mortgage into FHA, VA, USDA, Construction, Home Equity, Land, Low Credit, and Mobile home loans to name a few.

We are looking for an FHA/DE LAPP/SAR Underwriter with a thorough working knowledge of and ability to analyze credit reports, income documentation, assets, liabilities, property appraisals, and title reports, to insure loans meet company standards for sale into the secondary market. This person will identify, analyze, and balance transactional, borrower, and property-related risks and offsets to arrive at a loan decision of approval, suspense, counteroffer, or denial.Top Reasons to Work with Us1.) Hybrid work!
2.) $90k-$120k plus Bonus and OT
3.) Great company culture with room for advancementWhat You Will Be Doing- Review the loan application package using verified data in the loan submission package.
- Evaluate borrowers income relative to financial obligations
- Review adequacy of credit quality and borrower qualifications
- Access sources of funds and the security property
- Analyze loan terms, LTV and ratios making sure they meet the program guidelines
- Notify processor and loan officer of the decision made. Approve loan in accordance with appropriate terms and conditions, counter-offers if the term does not meet company ending standards and guidelines, or deny the loan
- Review and clears all conditions- Maintain current knowledge of all loan products and origination requirements
- Ensure accuracy of loan disclosures and documentation
- Ensure the quality of loans conforms to government regulation, company standards, and standards for sale to the secondary market.What You Need for this Position- Minimum 5 years of Residential Mortgage Underwriting - Degree preferred but not required- Excellent Understanding of secondary market guidelines (FNMA/FHLMC/GNMA)- FHA/DE and VA LAPP/SAR Certified- VA preferred- Strong understanding of the mortgage process flow of 1-4 family, condo, and co-op from processing to closing- Strong Understanding of multiple investor guidelines and regulatory compliance- Knowledge of mortgage insuranceWhat's In It for You- Competitive base salary, Bonus, and OT
- Full benefits: Medical, Dental, Vision
- 401 (K) with generous company match
- Vacation, sick, and paid holidays
- Life Insurance coverage
 

Benefits