Underwriter

Founded in 2008, The Fay Group is a diversified real estate services company offering a complete range of home ownership products and services to include mortgage servicing, property renovations, property management, realty, business purpose lending and insurance to homeowners, investors and clients nationwide. We consider the people behind those mortgages, and work hard to give them the best opportunity to stay in their homes by providing solutions to navigate the challenges of homeownership while working toward their long-term financial goals.

Our Constructive Loans business provides stable, reliable capital, flexible product solutions, speed, and competitive pricing to meet the real estate investment financing needs of brokers nationwide. Constructive offers programs for short-term fix & flip, DSCR rental properties, and lines of credit.

Join Us on Our Journey

We are currently looking for an Underwriter to join our team.

Reporting to the Underwriting Manager, this position is responsible for evaluating, analyzing and decisioning the acceptability of risk through detailed analysis of a borrower's credit, financial profile, track record and collateral characteristics. This role will ensure credit recommendations and property financing loan approvals conform to the established and defined underwriting guidelines and investor purchasing requirements. This position is a liaison between sales and operations and partners with mortgage originators, processors and closers to qualify mortgage loans and clear closings.

Additionally, this role will partner with borrowers and stakeholders to identify financing solutions for residential investment projects. This position is responsible for maintaining thorough records of decisions and communications, while providing clear explanations of underwriting actions to stakeholders.

Qualifications include :

• Bachelor's degree in Business, Finance or related field (or equivalent combination of years of experience with High School diploma / GED)
• 5+ years' experience in mortgage loan underwriting
• 2+ years' experience in customer service
• Extensive knowledge of generally acceptable underwriting and lending practices
• Strong skills in MS Word, Excel and PowerPoint
• Strong interpersonal skills with the ability to develop and maintain effective relationships across the organization
• Collaborative and consultative work style; high team-orientation
• Open to change; agile; high learning agility
• Strong problem-solving abilities coupled with sound judgement
• Ability to analyze and interpret data to identify opportunities and propose solutions
• Strong project management skills
• Strong attention to detail; strong compliance orientation; high quality of work product
• Ability to effectively prioritize under tight deadlines in a fast-paced, dynamic environment; effective time management
• Self-directed; ability to proactively ask questions and surface issues / concerns
• Professional maturity, integrity, ability to maintain confidential data and information
• Strong business acumen; strong fiscal and technical aptitude

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Featured Benefits

Compensation

Fay Cares!

The Fay-Constructive Foundation was established to fulfill the philanthropic mission of The Fay Group employees to serve the communities in which they live and work. Our employees make voluntary contributions to the Foundation. Each quarter, their contributions are donated to organizations focused on improving education opportunities, combating poverty, and supporting military service members and first responders.

At Fay, we believe that the best ideas come from having a team that is diverse in backgrounds, experiences, and perspectives. We strive to ensure each of our employees feels valued, respected and included, and is presented with equal opportunities to be successful. Fay is an equal-opportunity workplace. The Fay Group and affiliated companies participate in E-Verify. For more information go to www.dhs.gov / E-Verify.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.