Full-Time Senior Government Underwriter

PRIMARY FUNCTIONS: The Senior Government Underwriter (UW) verifies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a “knowledge bank” in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage’s clients.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Analysis of submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines
• Properly Condition loans per Underwriting Guidelines and AUS as applicable
• Communicate decisions to appropriate individuals
• Clear conditions, including but not limited to credit and title conditions
• Ensure the highest quality and level of customer satisfaction

JOB REQUIREMENTS:

• Meet Daily and Monthly targets for productivity
• Provide feedback on guidelines to ensure HomeXpress is following Agency (GSE, FHA, VA) Guides
• Assist with new product development, and implementation
• 5+ years of experience in mortgage underwriting
• VA LAPP/SAR FHA DE Manual underwriting to FHA and VA handbook requirements
• AUS proficient Computer proficient in Excel, Word, Outlook, and various LOS

DESIRED PERSONAL CHARACTERISTICS:

• Detail oriented and committed to the highest quality
• Self-Starter with positive Can-Do attitude
• Works well under pressure and relishes the responsibility that comes with the job
• Problem solving and analysis Decision making Results driven Communication proficiency
• An open-minded individual that embraces change and innovation

EDUCATION: Bachelor's degree in business, finance, or equivalent related field experience preferred

Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail. Ability to communicate issues between several audiences proficiently. Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

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