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Mortgage Underwriting Manager

Company: Excelerate Capital
Location: Newport Beach
Posted on: April 10, 2021

Job Description:

Summary:A Mortgage Underwriting Manager will underwrite residential loans ensuring compliance with appropriate company and secondary market investor standards. The Underwriter will be responsible for examining loan documentation, related to credit, income including complex financial, assets and collateral for eligibility, accuracy and completeness ensuring compliance with FHA, VA, Fannie Mae & Freddie Mac guidelines. Will be working with loan originators or production staff to secure all required documents. This position will work 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, etc...) This job code includes all levels of underwriting authority.Responsibilities:

  • As a Mortgage Underwriter you will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and secondary market investor standards.
  • Maintain underwriting turn times and provide exceptional customer service both internally and externally.
  • Capable of working in a fast-paced environment, under pressure and meet time-sensitive deadlines, all while maintaining a high level of professionalism.
  • Ability to work independently, analyze data, take and recommend appropriate action with minimal supervision.
  • 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 some exception levels.Required Skills:
    • Strong analytical skills
    • Previous experience as a Mortgage Underwriter with DE and LAPP/SAR Certifications
    • Strong oral and written communication skills
    • Excellent interpersonal skills
    • Must have excellent problem-solving skills
    • Thorough understanding of credit and an ability to review complex financial documents
    • Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements
    • Ability to make credit recommendations
    • Commitment to teamwork
    • Ability to meet production, quality, and service standards along with providing direct coaching and feedback to ensure quality
    • Self-motivated
    • Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment
    • The associate must have 5 years' experience as a mortgage underwriter and be able to think outside of the box to obtain the required information on a retro basis.
    • They must be able to assess the information obtained and determine if it validates the information used to qualify the borrower at the time of modification offer.
    • 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.
    • Must possess strong organization skills.
    • Must have a working knowledge of computer applications.
    • Loss mitigation experience a plus.
    • Underwriting certifications a plus but not required.
    • Secondary market experience a plus
    • Knowledge of Lending QB a plusCompensation: Based On Experience
      Benefits!Dental InsuranceFlexible ScheduleHealth InsurancePaid Time OffVision Insurance
      About Excelerate Capital!Welcome to Excelerate Capital, the innovator in NONQM lending. We have one goal and one goal only. To provide a world class experience in mortgage lending. To fulfill that lofty goal, we committed to providing: a wide array of loan products, flexible and common-sense underwriting guidelines, competitive pricing, and excellent customer service.Excelerate Capital is the trusted name in providing expanded loan products for every stop of our clients' lives. As a leader in wholesale and alternative lending, our mission is to provide our clients the certainty and assurance of a reliable solution fit their unique needs. Our corporate President often says, "our employees are our most important customers," so are you interested in being a part of a dynamic organization that is redefining an industry? Here at Excelerate Capital, we are experiencing growth and continue to look for experienced Loan Officers and Account Executives to help us reach our greatest potential. Come join our team in Newport Beach to help reshape the residential lending landscape and make products that affect millions nationwide.Visit us on!Company Website: Facebook: Instagram: Linkedin: linkedin.com/company/exceleratecapital/
      • 4000 MacArthur Blvd #800, Newport Beach, CA 92660

Keywords: Excelerate Capital, Newport Beach , Mortgage Underwriting Manager, Executive , Newport Beach, California

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