Underwriter - DE | Remote opportunity at EMAC Group

ESSENTIAL JOB FUNCTIONS

• Underwrites mortgage loan files in compliance with Client’s underwriting guidelines and state and federal reporting guidelines (including RESPA, HMDA, and HOEPA Section 32).
  • Strictly adheres to specified underwriting guidelines to fulfill FHA, VA, and agency loans.
  • Verifies all documentation associated with mortgage originations including but not limited to: income, asset, credit, appraisal and title information.
  • Effectively communicates required conditions to the production staff and assists where possible to expedite final approval of the file.
  • Promptly and accurately reviews files within specified timelines to issue pre-approvals and final approvals.
  • Ensures accurate pricing within established guidelines.
  • Ensures accuracy between file, LOS (TMO) and final AUS findings.
  • Ensures that appraisal and title insurance are provided by an approved vendor.
  • Responsible for meeting productivity, TAT and Quality Control goals as required by management.

EDUCATION / EXPERIENCE REQUIREMENTS

• Graduation from a 4-year college or university with major course work in a discipline related to the requirements of the position is preferred. Will consider the equivalent combination of job experience & education that demonstrates the ability to perform the essential functions of this job.
• Minimum of 3-5 years of prime underwriting experience, including FHA,VA and agency products.
• VA: LAPP / SAR preferred
• Experience with DU system or comparable is required.
• List any special certifications, licenses, and/or knowledge requirements for this job:
• FHA: Direct Endorsement - DE Certified preferred