Remote Mortgage Underwriter

Company: Signing Agent Jobs
Location: Elyria
Posted on: January 16, 2022

Job Description:

Signing Agent Jobs (https://signingagentjobs.com) is seeking for a Remote Mortgage Underwriter to work in the U.S. only.

JOB SUMMARY:

The underwriter will review regulatory compliance with disclosures, validate data used by an automated underwriting system to decision loans and perform a comprehensive review of the appraisal report.

The underwriter will determine if the loan meets underwriting guidelines, product guidelines, investor requirements, and eligibility requirements and also analyze the credit report, all necessary income and asset documentation, and title report. The candidate will update information regarding the loan transaction in the loan origination system with the appropriate status and loan conditions.

RESPONSIBILITIES:

Perform a cursory review of the loan file for compliance with Federal disclosure requirements to include the Net Tangible Benefits worksheet.
Validate the data used by the AUS to make a credit decision.
Perform a comprehensive review of the appraisal report and all supporting documentation.
Evaluate the application, supporting credit, income and asset documentation, the appraisal report and the contract of sale to uncover inconsistencies and potential misrepresentation in the loan file.
Determine if the loan was submitted to underwriting in accordance with the program and terms registered or locked with Clients secondary marketing department. Resubmit the loan to Clients AUS, when validated data falls outside of AUS tolerance levels.
Resubmit the loan to clients AUS, when validated data falls outside of AUS tolerance levels.
Identify loan conditions that must be cleared prior to closing and/or at closing.
Enter/correct data in LOS. Data includes the status and recommended conditions for the approval.
Review and clear prior to closing conditions that have been identified as the underwriters responsibility.
Communicate as needed with Clients staff and customers.

ADDITIONAL RESPONSIBILITIES:

Ability to sit for majority of 8-hour workday.
Quality control will be maintained at 95% or better.
Be able to troubleshoot basic technology issues.
Accessible from 8:00 am to 5:00 pm, MondayFriday.
Properly communication is required with your managers for any time off requests, delayed starts, and/or questions on work that is being reviewed.
Underwriters to update internal systems simultaneously with client systems to provide underwriting completion dates.
Complete time and attendance and code properly daily.
Enter all work the same day as reviewed in the company provided tracking system.
Double check your production report daily for all work completed each day.
A minimum of 3 loans per day must be underwritten plus 6- 12 conditions to keep conditions within SLA.
All work in your queue must be cleared daily.

QUALIFICATIONS/SKILLS:

High School Diploma
3+ years of Underwriting experience
Preferred NMLS license.
FHA Direct Endorsement.
Proficiency with MS Office

JOB REQUIREMENTS:

Professional office setup at home with an adequate/proper Internet access.
Dual monitors.
Anti-virus software on system.

PAY: $85.00-$200.00 per loan signing appointment

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Best regards,

Roxanna Gadjieva
Signing Agent Jobs
Tel: 1 (405) 494-0210
https://signingagentjobs.com
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Keywords: Signing Agent Jobs, Elyria , Remote Mortgage Underwriter, Other , Elyria, Ohio