Retail Underwriter, Senior at First Guaranty Mortgage Corporation

Remote
First Guaranty Mortgage Corporation

RETAIL UNDERWRITER, SENIOR

  • Full-Time
  • REMOTE | United States

Description
ESSENTIAL FUNCTIONS

  • Serve as subject-matter expert (SME) within the team and provide direction, guidance, and training to staff members
  • Manage pipelines to ensure all loans are reviewed in a timely manner and according to guidelines and policies
  • Assist manager in performing second-level loan reviews as needed to ensure accuracy
  • Review processes and procedures and provide recommendations to management regarding ways to optimize efficiencies
  • Review loan applications and identify missing or incorrect information
  • Calculate consumers’ income and examine credit histories, assets, and collateral
  • Analyze property standards against appraisal values
  • Assess credit worthiness to determine if borrowers meet Ability to Repay (ATR) and Qualified Mortgage (QM) requirements
  • Determine final credit decisions based on company policies and investor guidelines
  • Understand and maintain a thorough knowledge of all policy updates
  • Maintain Service Level Agreements (SLAs)
  • Adhere to company quality control requirements
  • Maintain relationships by effectively communicating with internal and external customers in a timely and professional manner
  • Perform other duties as assigned

KNOWLEDGE, SKILLS, AND ABILITIES

  • Good oral, written, and interpersonal communication skills to communicate with internal staff and external clients as needed
  • Strong analytical and mathematical skills
  • Ability to maintain a customer focus and efficiently and consistently produce accurate work in both individual and team settings
  • Strong attention to detail and the ability to multi-task and meet deadlines in a fast-paced environment
  • Solid knowledge of computer systems including MS Office (Word, Excel, and Outlook)
  • Ability to lead a team and provide guidance and training to lower-level staff members

REQUIRED QUALIFICATIONS

  • High school diploma or GED
  • Associate degree or equivalent work experience
  • 5+ years of residential mortgage underwriting experience, including 3+ years with multiple designated certifications
  • Active DE CHUMS, LAPP, and SAR certifications/designations
  • Strong understanding of credit and an ability to perform mathematical calculations and review highly-complex financial documents
  • Advanced knowledge of loan origination investor guidelines and federal and state compliance regulations

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