Location: Columbus, OH, 43219; HYBRID: 3 days/week in office, 2 days remote
Hours: M-F, 8-5
Duration: 4-6-month contract
Pay: 30-35 / hour
Must Haves:
High school diploma
Minimum 5 years of mortgage underwriting experience in the 1st mortgage arena (includes FNMA and FHLMC)
Must have recent underwriting experience with all conventional/government lending agencies
Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
Strong cash flow analysis skills reviewing complex personal and business tax returns, P-L statements and financial statements
Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
Proficient with loan origination software, Desktop Underwriter and Loan Prospector
Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc.
Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
Ability to work in a high-volume environment with minimal supervision, while maintaining production service levels
Strong analytical skills with attention to detail
Customer service oriented
Ability to multi-task while maintaining a high-level of flexibility
Plusses:
Third party lending experience
Underwriting experience with VA/FHA/USDA preferred
FHA Direct Endorsement and VA LAPP Authority preferred
Day to Day: Underwrite residential first mortgage files received from mortgage loan originators and/or mortgage brokers to ensure that all credit and compliance documents are included for final review and approval.
Underwrite residential first mortgage loans - Conventional, FNMA, FHLMC, FHA/VA.
Confidence in underwriting risk-based portfolio product set from our Wealth Management Group.
Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless environment.
Adhere to all department service level standards for communication, production, and turn-time
Supportive environment that offers autonomy, customer service and a commitment to doing it right.