Inspire Home Loans

Role Description The DE/SAR Underwriter will have at least 5+ years of experience underwriting FHA, VA, or Bond loans to ensure appropriate guidelines are met according to investor requirements. DE & SAR certifications are required. This is a remote position and can sit in any state that Inspire is in: CA, SC, NC, CO, ID, FL, TX, AZ, NV, GA, MI, TN, UT. Your key responsibilities include: - Diligently review credit, income, and assets documentation to determine the borrower’s creditworthiness and repayment ability. - Review property appraisal reports ensuring the value of the property is accurately presented. - Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income. - Follow AUS findings as well as manually underwrite loans. - Leverage knowledge of loan products and offer alternative financing options on eligible loans that cannot be approved as submitted. - Provide clear, concise, and appropriate conditioning of loans when rendering decisions. - Review items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor. - Mentor processing staff on underwriting deficiencies and calculation errors. - Ensure quality control standards are met so the company can sell the loan. - Work collaboratively with team members (i.e., loan officers, loan processors, closing, post-closing, etc.) to drive quality deals to successful funding. - Keep updated on agency/non-agency guidelines and internal policy and procedures. - Underwrite 2-3 new files a day in addition to reviewing files for conditions and clear to close. - Perform other duties as needed or assigned. Qualifications - Thorough knowledge of loan origination systems, Encompass, a plus. - Extensive knowledge of FHA, VA, and investor guidelines. - Prior experience working in a fast-paced, high-volume environment. - Proficiency in Microsoft Office products such as Word, Excel, and Outlook. - Organized, attention to detail, time-sensitive and dependable. - Strong communication skills, verbal and written. - Ability to work hours above 40 hours/week during peak volume. Requirements - A high school diploma or equivalent is required. A college degree is preferred. - Previous underwriting experience required, preferably 5+ years of experience with conventional and government loans. - DE & SAR certification required. - Familiarity with builder loans is preferred. Benefits - Excellent benefits package that includes medical, dental, vision, 401(k) with employer match, paid time off, and sick leave. - Home and mortgage discounts. - Competitive salaries with the potential for discretionary bonuses and/or commission structure (depending on the position).