The essential job functions for the Underwriter role would include:

·        Underwrite Conventional loans to verify completeness, accuracy and compliance with organization, state and agency requirements.

·        Demonstrate and maintain an up to date and sound knowledge of multiple loan product guidelines offered by the Organization, DU/LP agency, investor guidelines and risk assessment tools utilized to decision wholesale home mortgage loans.

·        Evaluate borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgements, bankruptcy documents and appraisals. 

·        Analyze and calculate income documentation such as personal and business income statements and ensures all necessary documentation is requested to support final loan decisions.

·        Exhibit good judgment, conduct reasonableness test and issue sound quality credit decisions.

·        Determine accuracy and completeness of files; ensure organization processes are met.

·        Demonstrates proficiency in automated underwriting systems (DU/LP).

·        Maintains a sound level of knowledge of secondary market activity, practices, and business/industry trends as they impact underwriting quality and origination activity.

·        Maintain pre-established Customer SLAs and production level decisions within time frame set forth by the Organization.

·        Communicate effectively with broker partners, sales partners and internal operations staff and management.  Maintain Service Level Agreements outlined by the organization.

·        Assist in clearing Quality Control and Pre-Fund Quality Control Audit. Assist in obtaining documentation to clear investor requirements or repurchase responses and/or rebuttal reviews.