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About
Can you become the best underwriter and grow yourself, as well as the company? Petra Cephas is a Mortgage Broker searching for an experienced mortgage underwriter who can continue to help us set a high standard in the mortgage industry by delivering quality customer service - putting the people we serve first. Your primary job duty will be to underwrite clients' files. You will be empowered to create a system and structure loans that makes the stressful process of buying a home look simple to clients. You will work with the processing team to prepare files for submission, as well as analyze credit, income, and assets.
Compensation: Full time position, 65k-85k per year, depending on experience.
Responsibilities:
· Review loan applications for completeness and accuracy, reconcile applications against system input.
· Prepare Application Disclosures.
· Register and submit files for underwriting verification and recommendation.
· Review file for all employment information and order all VOE’s.
· Preview individual and business tax returns.
· Run loan through DU and LP and update Encompass with results.
· Review credit report and order all necessary mortgage credit supplements.
· Gather required documentation from the customer and third parties in support of the loan approval decision.
· Analyze income, assets, and liability documentation.
· Establish long term relationships with clients and lending partners by delivering the best in customer service.
· Other duties as assigned.
You Will Learn:
· A thorough understanding of loan program requirements, processing and closing knowledge/experience.
· Ability to analyze and communicate complex loan products.
· Demonstrate self-motivational skills and the ability to work in a high pressure, high volume production-oriented environment while meeting deadlines.
· Possess excellent written and verbal communication skills.
Qualifications:
· Minimum 1 year of experience as a mortgage underwriter
· Must be proficient in Encompass
· Excellent customer service skills, phone etiquette and must work well with others in a team setting
· Strong organizational, problem solving, multi-tasking and analytical skills
· Ability to work with deadlines.
· Licensing may be required