Mortgage Loan Underwriter

Company: Assurance Finacial

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General Information
US-LA-Lafayette
N/A
Not Specified
Full-Time
At least 1 year(s)
Not Specified
False
False
Job Description

Mortgage Loan Underwriter

Assurance Financial has an immediate opening for a Mortgage Loan Underwriter.  Our goal is to help people in our communities obtain new home loans and refinance existing mortgages.  Our Underwriters have the opportunity for growth and long term advancement.

 

As a Mortgage Loan Underwriter, you will underwrite residential loans ensuring compliance with appropriate company standards.  Our Underwriter will be responsible for examining loan documentation for accuracy and completeness. You will be working with loan originators or production staff to secure all required documents. Also you will be working with more senior underwriters on loan exceptions. Has the authority to withdraw and decline loans. May be involved in one or several types of mortgage lending (conventional, government-backed , FHA , VA , etc...) This job includes all levels of underwriting authority and exception levels.


Responsibilities Include: 

  • As an Underwriter you will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and investor standards.
  • A Mortgage Underwriter will be responsible for examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents.
  • You may be required to work with more senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans.
  • Mortgage Underwriters may be involved in one or several types of mortgage lending (conventional, government-backed, etc.)
  • You may also be required to respond directly to individual and investor audits.
  • This job code includes all levels of underwriting authority and exception levels.

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    Mortgage Loan Underwriter

    Required Skills:

  • Previous experience as a Mortgage Underwriter
  • The associate must have 1+ years of experience as a Mortgage Underwriter and be able to think outside of the box to obtain the required information on a retro basis
  • Must have 1+ years of experience with 1st purchase home loans
  • Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
  • Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment
  • They must be able to assess the information obtained and determine if it validates the information used to qualify the borrower
  • The employee must be able to work independently producing results in a timely manner
  • They must have a strong understanding of the various documentation types, loan programs as well as the overall general underwriting guidelines
  • Thorough understanding of credit and an ability to review complex financial, loan / mortgage documents
  • Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements
  • Ability to make credit recommendations
  • Must have a working knowledge of computer applications
  • Strong analytical skills and excellent problem solving skills
  • Strong oral and written communication skills
  • Self-motivated with excellent interpersonal skills and organizational skills
  • Commitment to teamwork 
  • MUST have strong customer service skills
  • Great personality with lots of energy!
  • Excellent written and verbal communication skills
  • Ability to prioritize and work independently


    • Desired Skills:  

  • Prior credit signing authority 
  • Underwriting certifications a plus but not required ( FHA Direct Endorsement and VA LAPP )
  • Secondary market experience a plus


    • Assurance Financial Group

    Since its founding in Baton Rouge in 2001, Assurance Financial has grown from two employees to over one hundred, and we’ve expanded our locations to provide our services to ten real estate markets throughout the South. Assurance Financial specializes in residential home loans. That’s all we do.

    Our customers like us because we offer competitive rates and fees, quick turnarounds on their loans, and excellent customer service. Real estate agents like how well we take care of their clients, the trust and relationships they develop with particular loan officers, and the fact that we handle underwriting and processing in house.  Corporate Relocation Departments like our technology that allows us to perform online loan closings, making the application and paperwork go as smoothly as possible. 

    Assurance Financial isn’t a mortgage broker. We’re a mortgage banker. That means we loan our own money, which makes the lending process that much more credible. As an independent banking firm not tied to any other bank or third-party lender, we are able to shop around for the best interest rates for our customers.

     

    Job Requirements[See Above]


    “Assurance Financial Group does not discriminate against an applicant for employment on the basis of race, color, religion, sex, national origin, age, disability, or handicap, veteran status, union affiliation, or any other basis prohibited by federal, state, or local law or ordinance."


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