**Come join our amazing team and work from home!** Underwrites loans in accordance with Company and Investor guidelines following company’s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Provides workflow direction and assistance to junior level staff as needed. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $100,000 - $140,000 per year. **What you’ll do:** + Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. + Provides workflow direction, training and assistance to junior level staff as needed. + Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. + Applies and interprets company underwriting guidelines and makes sound credit decision. + Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. + Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. + Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs. + Determines any conditions, stipulations or pre-funding requirements. + Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. + Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise. + Assists departmental support staff when necessary. + Resolves and responds to post closing credit exceptions received from investors and auditors when required on loans underwritten. + Maintains ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position. + Completes second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed. **What you’ll need:** + A thorough knowledge of mortgage loan underwriting + Maintains highly confidential information concerning loan applicants + Requires high level of organizational skills and ability to work on several tasks simultaneously + Constant contact with Loan Officers and internal office staff + Significant coordination of various duties required + Office machines such as computer, copiers, fax machines and the telephone + Ability to communicate effectively both verbally and in writing + Ability to handle detailed assignments + Strong customer service skills + Ability to organize and prioritize workload and meet deadlines + Five plus years of FHA mortgage underwriting work experience + Paperless Loan Origination System experience preferred. + FHA Direct Endorsement designation and/or VA SAR designation highly preferred + DU and LP experience required **Our Company:** Carrington Mortgage Services-Retail Lending is part of The Carrington Companies. We offer a wide variety of home purchase and refinance products for government and conventional loan programs, specializing in underserved programs for borrowers with less than perfect credit and low down payment. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com . **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you’ll get the opportunity to work with friends (and get some extra cash in your pocket!). + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. **Carrington does not do interviews or make offers via text or chat.** \#LI-CF1 Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.