Remote Mortgage Underwriter

Summary

The job is for a Remote Underwriter who will underwrite Conventional & Jumbo Loans according to FFF overlays, policies, procedures, and agency guidelines. The Underwriter will perform industry-standard underwriting activities, check for accuracy of loan information, interface with various parties, review appraisals, maintain lender/Agency/Investor guidelines, and ensure compliance prior to closing. Other duties may be assigned as needed.

Requirements

All other duties as defined by Employer from time to time

Responsibilities

• Underwrite Conventional & Jumbo Loans in accordance with FFF overlays, policies and procedures outlined by Director of Operations
• Underwrite Conventional & Jumbo Loans in accordance with all agency guidelines and Investor Overlays
• Perform industry-standard underwriting activities (e.g. reviewing Income, assets, title, appraisal, loan application, etc.)
• Access all risk factors of loan and ensure it meets guidelines
• Report to Manager in regard to protocol and file escalation
• Check for accuracy of all incoming loan information for file and report discrepancies
• Ensure that all of the tax, title, insurance and closing documentation is in place
• Interface borrowers, loan processors, loan officers and underwriting in an effective manner
• Review the appraisal to make sure it is accurate and thorough
• Maintain, understand and follow lender / Agency / Investor guidelines at all times
• Underwriters to make sure all of loan factors meet particular loan guidelines
• Maintain dates in loan origination system pertaining to underwriting (as applicable)
• Submit mortgage loans to automated underwriting systems for approval within investor guidelines
• Assure all FINAL numbers and information is updated in file and system prior to issuing a clearance to close
• Ensure file compliance prior to closing being requested