Overview
On Site
$41.38 - $41.38
Contract - W2
Contract - 6 Month(s)
No Travel Required
Skills
BEPC Inc.
Job Details
BEPC has an open position for a Sr Residential Mortgage Underwriter
Location: Henderson, NV (Monday Thursday Onsite, Fridays remote)
Benefits: Medical, Dental, Vision, and Life Insurance
Pay Rate: $40.00 $41.38 Per hour with weekly pay!!!
Term: 6-month contract with possible extensions or permanency based on performance
Shift: 1st Shift from 8:00 AM to 5:00 PM
Requirements: HS Diploma (BA Degree Preferred) & 3-10 years with Loans, Credit Analysis, Mortgage and Underwriting experience is a MUST!!!
*****NO CORP-TO-CORP CANDIDATES WILL BE CONSIDERED*****
What were looking for:
We are looking for an experienced mortgage underwriter to evaluate and determine the eligibility of loan applications and provide second signature oversight of our mortgage fulfillment vendor approvals.
The mortgage underwriter's responsibilities include analyzing and verifying loan applications, evaluating risks, and making loan eligibility decisions.
Requirements:
Assess and evaluate the creditworthiness of individuals seeking a mortgage loan with Toyota Financial Savings Bank.
Thoroughly examine financial documents, credit reports, income verification, and other relevant information.
Evaluate the borrower's ability to repay the loan based on income, debts, credit history, and other factors.
Perform complex income calculations for borrowers with various types of employment.
Analyze loan applications for borrowers who own multiple investment properties and second homes.
Analyze mortgage loan applications to ensure compliance with company mortgage lending guidelines.
Provide second signature appraisal reviews.
Provide second signature file reviews on files underwritten by our mortgage fulfillment vendor.
Approve, deny, or recommend conditions for loan approvals based on the analysis and risk assessment.
Qualifications/ What you bring (Must Haves) Highlight Top 3-5 skills:
HS Education or equivalent.
2-5 years relevant work experience required.
Knowledge of the end-to-end mortgage origination process including property appraisal, income, asset, credit, and program requirements.
Knowledge of the rules and regulations that govern mortgage lending.
Demonstrated strong knowledge of TRID rules and regulations to include LE/CD disclosure timing, CIC, APR rules and tolerance cures
Strong knowledge of and ability to correctly apply application mortgage lending regulations to loans in process.
Excellent verbal and written communication skills
Strong data analysis capabilities and the ability to clearly communicate findings.
Meticulous attention to detail.
Ability to calculate W2, fixed, and complicated self-employed income for borrowers with multiple businesses.
Knowledge of mortgage industry manual underwriting guidelines.
Preferred/ Nice-to-haves:
Four Year college degree (BA or BS)
5-10 years relevant work experience
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