Underwriter III - Non Delegated Non-Agency Jumbo / High-Net Worth

Underwriter III - Non Delegated Non-Agency Jumbo / High-Net Worth

Location : Remote Texas

What You'll Do :

As a Mortgage Underwriter III you'll be responsible for underwriting Jumbo and High-Net Worth loans by reviewing the credit, capacity and collateral characteristics of loan files to ensure it meets company and investor quality standards. You'll be responsible for reviewing and clearing underwriting conditions on Jumbo and High-Net Worth loans in compliance with current guidelines and overlays.

Manage individual pipeline on a daily basis by completing Jumbo and High-Net Worth loans, Non-Agency and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times.

Identify any document deficiencies, request additional information and / or documentation from Clients as needed.

Analyze complex income sources, including self-employed income, K-1s, and tax returns.

Evaluate credit reports, asset statements, and complex appraisals.

Ensure compliance with investor, federal, and internal guidelines.

Maintain awareness of regulatory changes and investor overlays.

Navigate and interpret all Agency, Non-Agency and company guidelines.

Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan.

Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans.

Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance.

What You'll Need :

Encompass LOS experience preferred

Must have experience in mortgage underwriting, especially with Non-QM and Jumbo loans.

Ability to communicate effectively and professionally

Basic proficiency in Microsoft Office products (Excel, Word, etc.)

Loan quality and risk management experience

Excellent Customer / Client service skills

Ability to work in a fast-paced production environment

Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints

Excellent written and verbal communication skills

Prioritization and Time Management skills

Ability to learn and adapt to guideline changes

Knowledge of FNMA and FHLMC guidelines

Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor

Benefits You'll Love :

We offer all the important things you'd want like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!

About the Company :

AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC.

Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities.