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Sr. Mortgage Underwriter

Description

Ref ID: 03770-0011417253

Classification: Sr. Accountant

Compensation: $70000.00 to $85000.00 yearly

Lancaster County company is seeking a Sr Residential Mortgage Underwriter to join their team. The primary duties include: • Underwrites residential mortgage files. Evaluating credit worthiness of borrowers. This includes but is not limited to the review of financial statements, tax returns, asset statements, bank account statements. Investigates and documents large deposits and other anomalies in the credit file that may not have been documented by the Mortgage Loan Officer. Reviews appraisals to ensure appraisers used proper guidelines. Reviews and assesses whether documentation meets investor requirements and identifies which loans meet certain investors guidelines in preparation for a secondary market sale if the loan it not retained for servicing by Company. Access and maintain a working knowledge of investor and agency guidelines including nonconforming products. Approves or recommends denial for residential mortgage applications within lending authority limit, including those of a more complex. In denial situations, reviews the reasons why the loan was denied and in some cases recommends other products to the Mortgage Loan Officer where the applicant may qualify. Performs second level review on loans that the less experienced underwriter recommends for denial. Evaluate the loan to determine if there is any other product available before issuance of denial. Underwrites, reviews and recommends approvals or denials for government loans that could include Federal Housing Administration, VA, Rural Housing Service and PHFA and nonconforming products. Provides guidance to less experienced underwriters and as needed will recommend approvals or denials for applications that are over the lending authority of other underwriters. • Reviews the Company Quality Control and investor audits and responds as appropriate with additional information or reasoning. Obtains follow up documentation as required. • Acts a consultant for Mortgage Loan Officers related to different loan scenarios and what if situations. Answers questions related to underwriting and UNIFI data input and as needed assists the Mortgage Loan Officer with automated underwriting input. Assist with underwriting and product training of corporate management trainees cycling through the mortgage company, Mortgage Loan Officers, branch staff as directed by the Residential Underwriting Manager. Assists the Residential Underwriting Manager and the Secondary Market Manager with the development of new products. Assists with development of new broker and affiliate relationships. Reviews and decisions requests for removal of obligor on existing mortgage removing PMI, and partial releases of excess land. If interested in this or similar positions, please send a Word version of your resume to [Click Here to Email Your Resumé]

Requirements

Bachelor Degree or the Equivalent Experience. Specialty: Relevant degree pertaining to the essential duties of this role. (Preferred) 5 or more years Residential first mortgage. (Required) 3 or more years Desktop Underwriter and Loan Prospector. (Preferred) 3 or more years Federal Housing Administration, Veterans Administration and Rural Housing Service underwriting. (Required)

Robert Half Finance & Accounting matches skilled finance and accounting professoinals in the areas of accounting, bookkeeping, finance, audit, taxation and more on a full-time basis. Our personalized approach, innovative matching technology and global network with local market expertise help you find the legal opportunities that match your skills and priorities — fast. By working with us, you have access to challenging opportunities, competitive compensation and benefits, and training to enhance your skill sets.

From philanthropy to environmental stewardship to employee programs, Robert Half is proud to have an active role in the communities in which we live and work. Our company has appeared on FORTUNE’s “Most Admired Companies” list every year since 1998.

Download our mobile app to take your job search on the go!

Contact your local office at 888.490.5461 or visit www.roberthalf.com/jobs/finance to apply for this job now or find out more about other job opportunities.

All applicants applying for U.S. job openings must be authorized to work in the United States. All applicants applying for Canadian job openings must be authorized to work in Canada.

© 2020 Robert Half Finance & Accounting. An Equal Opportunity Employer M/F/Disability/Veterans.

By clicking 'Apply Now' you are agreeing to Robert Half Terms of Use.

Job Snapshot

Location US-PA-Lancaster
Employment Type Full-Time
Pay Type Year
Pay Rate N/A
Store Type Accounting, Finance
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Company Overview

Robert Half

Robert Half is America’s top staffing agency, dedicated to helping talented people like you find rewarding temporary and full-time jobs with today’s leading companies. Our staffing experts work closely with local hiring managers and use AI-powered matching technology to find opportunities that match your skills and professional goals. With decades of experience in placing accounting, finance, administrative, technology, creative, marketing and legal professionals, we’ll help ensure your next career move is a successful one. Learn More

Contact Information

US-PA-Lancaster
Recruiter
610- 371-8101
610- 374-2867
Snapshot
Robert Half
Company:
US-PA-Lancaster
Location:
Full-Time
Employment Type:
Year
Pay Type:
N/A
Pay Rate:
Accounting, Finance
Store Type:

Description

Ref ID: 03770-0011417253

Classification: Sr. Accountant

Compensation: $70000.00 to $85000.00 yearly

Lancaster County company is seeking a Sr Residential Mortgage Underwriter to join their team. The primary duties include: • Underwrites residential mortgage files. Evaluating credit worthiness of borrowers. This includes but is not limited to the review of financial statements, tax returns, asset statements, bank account statements. Investigates and documents large deposits and other anomalies in the credit file that may not have been documented by the Mortgage Loan Officer. Reviews appraisals to ensure appraisers used proper guidelines. Reviews and assesses whether documentation meets investor requirements and identifies which loans meet certain investors guidelines in preparation for a secondary market sale if the loan it not retained for servicing by Company. Access and maintain a working knowledge of investor and agency guidelines including nonconforming products. Approves or recommends denial for residential mortgage applications within lending authority limit, including those of a more complex. In denial situations, reviews the reasons why the loan was denied and in some cases recommends other products to the Mortgage Loan Officer where the applicant may qualify. Performs second level review on loans that the less experienced underwriter recommends for denial. Evaluate the loan to determine if there is any other product available before issuance of denial. Underwrites, reviews and recommends approvals or denials for government loans that could include Federal Housing Administration, VA, Rural Housing Service and PHFA and nonconforming products. Provides guidance to less experienced underwriters and as needed will recommend approvals or denials for applications that are over the lending authority of other underwriters. • Reviews the Company Quality Control and investor audits and responds as appropriate with additional information or reasoning. Obtains follow up documentation as required. • Acts a consultant for Mortgage Loan Officers related to different loan scenarios and what if situations. Answers questions related to underwriting and UNIFI data input and as needed assists the Mortgage Loan Officer with automated underwriting input. Assist with underwriting and product training of corporate management trainees cycling through the mortgage company, Mortgage Loan Officers, branch staff as directed by the Residential Underwriting Manager. Assists the Residential Underwriting Manager and the Secondary Market Manager with the development of new products. Assists with development of new broker and affiliate relationships. Reviews and decisions requests for removal of obligor on existing mortgage removing PMI, and partial releases of excess land. If interested in this or similar positions, please send a Word version of your resume to [Click Here to Email Your Resumé]

Requirements

Bachelor Degree or the Equivalent Experience. Specialty: Relevant degree pertaining to the essential duties of this role. (Preferred) 5 or more years Residential first mortgage. (Required) 3 or more years Desktop Underwriter and Loan Prospector. (Preferred) 3 or more years Federal Housing Administration, Veterans Administration and Rural Housing Service underwriting. (Required)

Robert Half Finance & Accounting matches skilled finance and accounting professoinals in the areas of accounting, bookkeeping, finance, audit, taxation and more on a full-time basis. Our personalized approach, innovative matching technology and global network with local market expertise help you find the legal opportunities that match your skills and priorities — fast. By working with us, you have access to challenging opportunities, competitive compensation and benefits, and training to enhance your skill sets.

From philanthropy to environmental stewardship to employee programs, Robert Half is proud to have an active role in the communities in which we live and work. Our company has appeared on FORTUNE’s “Most Admired Companies” list every year since 1998.

Download our mobile app to take your job search on the go!

Contact your local office at 888.490.5461 or visit www.roberthalf.com/jobs/finance to apply for this job now or find out more about other job opportunities.

All applicants applying for U.S. job openings must be authorized to work in the United States. All applicants applying for Canadian job openings must be authorized to work in Canada.

© 2020 Robert Half Finance & Accounting. An Equal Opportunity Employer M/F/Disability/Veterans.

By clicking 'Apply Now' you are agreeing to Robert Half Terms of Use.

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