Mortgage Underwriter

  • location: Atlanta, GA
  • type: Temp to Perm
  • salary: $34 - $38 per hour

job description

Mortgage Underwriter

One of the largest and fastest growing credit unions in Georgia is looking for energetic, flexible, and service oriented individuals for the following position. The Mortgage Underwriter is responsible for analyzing and underwriting credit and collateral documentation related to residential first and second mortgages.  The Mortgage Underwriter must apply knowledge of Fannie Mae and the Credit Union underwriting guidelines and compliance regulations to ensure documentation quality and acceptable risk levels. This role is an instrumental part of the mortgage loan process since a Mortgage Underwriter is responsible for decisioning loans to facilitate meeting closing deadlines, member expectations, and established service level standards. Required Minimum Qualifications: • 3 + years’ mortgage credit and/or collateral underwriting experience • Extensive knowledge of Fannie Mae guidelines and use of DU underwriting system • Knowledge of federal regulations including but not limited to:  TRID, RESPA, HMDA, ECOA, FCRA, FDPA,  REG Z, and TRID • Excellent communication skills, both oral and written • Team and goal oriented • strong analytical, mathematical, and decision-making skills • Self-starter, self-reliant, dependable, ability to work within and meet specific time constraint • Complies with all Credit Union policies and procedures including those related to Bank Secrecy Act regulations Preferred Qualifications: • Bachelor’s degree in business or related field • Expert knowledge of mortgage lending programs including Conventional, FHA, VA, and various industry investor mortgages • Prior use of Encompass Loan Origination System within the last 3 years Employee benefits include: • Medical, Dental and Vision Coverage • Voluntary Insurance Coverage • 401(k) Plan with Company Match • Vacation, Holidays and Personal Time Off • Discount on Gym Membership  

Responsibilities

• Thoroughly evaluate the accuracy of submitted documentation pertaining to the loan application, credit, income, assets, subject property, loan to value, ratios, and loan terms
• Review the application and information in the Loan Origination System for accuracy to ensure program guidelines are met
• Request documentation necessary to complete the loan submission or to qualify for the loan program
• Utilize Fannie Mae DU or manual underwriting methods in reviewing loans
• Approve, deny, or issue a counter-offer on loans in accordance with terms and conditions related to credit or collateral underwriting
• Effectively communicate loan decisions and requirements to a Home Loan Processor and/or Home Loan Specialist
• Review and clear all prior to closing loan conditions
• Provide responses and documentation to cure Quality Control audit findings
• Maintain current knowledge of policies, guidelines, compliance, mortgage insurers, investors, Fannie Mae, and Credit Union. 



Skills

  • mortgage credit underwriting (3 years of experience is required)
  • Fannie Mae guidelines (3 years of experience is required)
  • federal regulations (3 years of experience is required)
  • mortgage lending programs (3 years of experience is required)
  • Encompass Loan Origination (1 year of experience is required)
  • DU underwriting system (3 years of experience is required)
Education
  • Bachelors (required)
Qualifications
  • Years of experience: 3 years
  • Experience level:Experienced
Shift: First

Working hours: 8 AM - 5 PM

Randstad is a world leader in matching great people with great companies. Our experienced agents will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temporary-to-permanent or permanent opportunities, no one works harder for you than Randstad. EEO Employer: Race, Religion, Color, National Origin, Citizenship, Sex, Sexual Orientation, Gender Identity, Age, Disability, Ancestry, Veteran Status, Genetic Information, Service in the Uniformed Services or any other classification protected by law.

get jobs in your inbox.

sign up
{{returnMsg}}

related jobs

    Mortgage Underwriter

  • location: Atlanta, GA
  • job type: Permanent
  • salary: $70,000 - $80,000 per year
  • date posted: 9/20/2020

    Mortgage Underwriter

  • location: Atlanta, GA
  • job type: Permanent
  • salary: $80,640 per year
  • date posted: 9/10/2020

    Mortgage Underwriter

  • location: Atlanta, GA
  • job type: Temp to Perm
  • salary: $42 per hour
  • date posted: 8/18/2020