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Mortgage Underwriter (Remote)

Description

* This is a 100% remote opportunity. Underwriters will work entirely remote. *

Primary Function:
The main focus of this role is to perform underwriting of conventional and /or FHA/VA mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet underwriting guidelines as established by our company and its investors. This is a remote position.

Principal Duties:
* Approves or rejects residential loans within prescribed authority
* Analyzes borrower's credit profile, collateral and capacity to repay the proposed mortgage obligation
* Ensures loans meet company, agency and government guidelines
* Accurately calculates borrower's income and debt-to-income ratios based on acceptable company and agency practices
* Documents lending decisions and completes required screens in the loan origination system that include accurate completion of the 1008 as well as adding and/or creating applicable conditions on the loan approval
* Run, reads and interprets automated underwriting decision results from both Desktop Underwriter and Loan Prospector
* Reviews conditions submitted on loans and sign off on conditions where appropriate
* Keeps informed of current and acceptable underwriting practices
* Communicates loans decisions to clients/internal departments in a timely fashion and ensures compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers.
* Works closely with processing and/or account management to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems
* Maintains and cultivates an effective working relationship with internal and external customers
* Prioritizes work queue to ensure service level agreements are met
* Consistently meets or exceeds established minimum productivity and quality goals
* Provides quality control responses in a timely manner
* Acts as a role model of the company's values, acting in an ethical and professional manner at all times
* Embraces company culture

Education and Experience Requirements:

* Minimum 4 years of residential loan underwriting experience
* Strong processing background preferable
* High school diploma required
* College diploma preferred

Knowledge, Skill, and Ability Requirements:
* Strong analytical skills
* Ability to make risk based lending decisions supported with relevant data and research
* Detail oriented
* Knowledgeable with MS Office
* Excellent Customer Service skills
* Excellent verbal and written communication skills
* Great organizational skills




About Aston Carter:

Aston Carter is a distinguished global provider of recruitment and staffing services to companies requiring highly specialized business professionals. As a Best of Staffing® Client and Talent leader, Aston Carter has an unrivaled commitment to delivering first class service to clients and business professionals across a variety of disciplines, including Accounting and Finance as well as Governance, Risk and Compliance. With more than 60 offices across Europe, Asia Pacific and North America, Aston Carter provides local, regional and global expertise to drive value and meet our customers' unique needs. Aston Carter is a division of Aerotek. Aerotek is an operating company of Allegis Group, a global talent solutions provider.

Requirements

 

Job Snapshot

Location US-NC-Charlotte
Employment Type Full-Time
Pay Type Year
Pay Rate $80,000.00 - $110,000.00 /Year
Store Type Banking
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Company Overview

Aston Carter

Founded in 1997, Aston Carter is a global recruitment and staffing provider, specialising in the placement of Risk and Compliance, Operations, Business and Organisational Change, Finance, and Management Consultancy professionals. We have over 350 staff members servicing 16 countries in Europe and Asia, with headquarters in London and offices in Brussels, Hong Kong, Paris, Singapore, Stockholm and Utrecht, and further U.K. offices in Birmingham, Bracknell, Edinburgh and Manchester. Learn More

Contact Information

US-NC-Charlotte
Thomas Chaisson
4105678055
Snapshot
Aston Carter
Company:
US-NC-Charlotte
Location:
Full-Time
Employment Type:
Year
Pay Type:
$80,000.00 - $110,000.00 /Year
Pay Rate:
Banking
Store Type:

Description

* This is a 100% remote opportunity. Underwriters will work entirely remote. *

Primary Function:
The main focus of this role is to perform underwriting of conventional and /or FHA/VA mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet underwriting guidelines as established by our company and its investors. This is a remote position.

Principal Duties:
* Approves or rejects residential loans within prescribed authority
* Analyzes borrower's credit profile, collateral and capacity to repay the proposed mortgage obligation
* Ensures loans meet company, agency and government guidelines
* Accurately calculates borrower's income and debt-to-income ratios based on acceptable company and agency practices
* Documents lending decisions and completes required screens in the loan origination system that include accurate completion of the 1008 as well as adding and/or creating applicable conditions on the loan approval
* Run, reads and interprets automated underwriting decision results from both Desktop Underwriter and Loan Prospector
* Reviews conditions submitted on loans and sign off on conditions where appropriate
* Keeps informed of current and acceptable underwriting practices
* Communicates loans decisions to clients/internal departments in a timely fashion and ensures compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers.
* Works closely with processing and/or account management to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems
* Maintains and cultivates an effective working relationship with internal and external customers
* Prioritizes work queue to ensure service level agreements are met
* Consistently meets or exceeds established minimum productivity and quality goals
* Provides quality control responses in a timely manner
* Acts as a role model of the company's values, acting in an ethical and professional manner at all times
* Embraces company culture

Education and Experience Requirements:

* Minimum 4 years of residential loan underwriting experience
* Strong processing background preferable
* High school diploma required
* College diploma preferred

Knowledge, Skill, and Ability Requirements:
* Strong analytical skills
* Ability to make risk based lending decisions supported with relevant data and research
* Detail oriented
* Knowledgeable with MS Office
* Excellent Customer Service skills
* Excellent verbal and written communication skills
* Great organizational skills




About Aston Carter:

Aston Carter is a distinguished global provider of recruitment and staffing services to companies requiring highly specialized business professionals. As a Best of Staffing® Client and Talent leader, Aston Carter has an unrivaled commitment to delivering first class service to clients and business professionals across a variety of disciplines, including Accounting and Finance as well as Governance, Risk and Compliance. With more than 60 offices across Europe, Asia Pacific and North America, Aston Carter provides local, regional and global expertise to drive value and meet our customers' unique needs. Aston Carter is a division of Aerotek. Aerotek is an operating company of Allegis Group, a global talent solutions provider.

Requirements

 
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Mortgage Underwriter (Remote) Apply now