Underwriter

Job Description

Job Description

Position Job Title :                      Underwriter

FLSA Status :                               Non - Exempt

Job Location :                              Remote - Florida

Position Summary.

The primary function of the Underwriter is for underwriting residential mortgage loans for the New Home Co. Examine loan documentation for accuracy and completeness to ensure loans meet eligibility requirements and to mitigate risk or loss to the company.

Essential Duties and Responsibilities.

• Review all loan submissions submitted by origination staff and generate initial credit decision in accordance with FNMA, FHLMC, FHA, VA, USDA, Bond and other investor guidelines as well as internal overlays.
• Evaluate mortgage loan applications to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines.
• Perform credit and property analysis on conventional and government loan files.
• Analyze complex tax returns and accurately calculate income.
• Input data and notes into the Encompass loan system.
• Maintain quality and production standards as set forth by management.
• Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers.

Personal Professional Standards.

Managerial Responsibility :

This position does not supervise other employees.

Position Qualifications

Base Salary :  The compensation range for this position is between $80,000 and $90,000per year, depending on experience and skillset. Base Salary is paid bi-weekly, every other Friday with an opportunity for monthly or quarterly bonuses.

The physical demands described below are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Similarly, the work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Requirements

Requires the ability to bend, lift 1-15 pounds, reach, see, stand, sit, walk, hear, type and talk. The primary work location is an office setting with low to moderate noise level.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required.  Universal Lending Corporation retains the discretion to add or change job duties at any time.

Why Work for Universal Lending Corporation

Universal Lending Corporation was founded nearly 40 years ago on the principle that our customers deserve individual and specialized attention throughout the mortgage process. We offer an inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.   At Universal Lending Corporation you can work with other passionate, purposeful, and customer-centric people all sharing the same goal of helping people achieve their dreams.  Universal Lending Corporation offers an aggressive compensation package based on experience and skill, including a comprehensive benefits package inclusive of Medical, Dental, and Vision.

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