Senior Mortgage Loan Underwriter
Essential Functions:
- Authorize and underwrite loans
- Review and verify loan applications and supporting documentation for accuracy
- Review and specify loan conditions as necessary
- Analyze loan risk and request additional information as necessary
- Prepare reports detailing risk assessments findings and other data that contribute to lending decisions
- Make loan eligibility decisions and approve or reject applications
- Ensure compliance with all regulatory standards
- Ensure compliance with company policies and guidelines
- Document and effectively communicate reasons for approval/rejection of loan applications
Minimum Required:
- High School Diploma or GED equivalent required
- College degree in business, banking, finance, or related field is preferred
- Minimum of 3+ years underwriting mortgage loans experience required
- CMU and/or CRU certification is preferred
- Full knowledge of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
- Experience in mortgage lending and knowledge of loan types, such as Conventional, FHA, VA, VHDA
- Good working knowledge of mortgage loan processing and relevant regulations
- Proficient in mortgage loan computer software and automated underwriting systems
- Outstanding oral and written communication
- Strong analytical and time management skills and superior attention to detail
- Well organized and able to handle pressure
- Demonstrate good credit worthiness
- Maintain confidentiality
Dragas Mortgage Company is an Equal Opportunities, Protected Veterans, and Individuals with Disabilities employer.