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JET Homeloans is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace. NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as negotiated to meet the ongoing needs of the organization.
Non-QM Mortgage Underwriter
Location
United States
Posted
98 days ago
Salary
0
Seniority
Mid Level
No structured requirement data.
Job Description
Non-QM Mortgage Underwriter
Dream Finders Homes
This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description An Underwriter I is responsible for underwriting complex loan applications and managing an assigned loan pipeline. Additionally, a person in this position is responsible for: - Underwriting Conventional (Fannie Mae/Freddie Mac) Loans. - Ensuring loans approved are salable and conform to applicable investor and insurer guidelines. - Keeping up with the most recent investor and insurer guidelines/programs. - Adhering to company policy and procedures. - Analyzing borrower income (all income types), asset and credit/liabilities documentation. - Calculating simple and complex income types. - Ensuring loans within assigned pipeline close timely. - Ensuring assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met. - Reviewing and solving complex loan issues. - Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders. - Researching and responding timely to internal Quality Assurance and Quality Control reviews. - Reporting material process and policy infractions/gaps to Underwriting Leadership. An Underwriter I reports directly to an Underwriting Manager. Qualifications - 2+ years of new mortgage loan origination processing or underwriting experience. - Excellent working knowledge of FNMA, FHLMC guidelines. - Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA). - Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies. - Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients. - Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents. - Able to define problems, collect data, establish facts and provide information to resolve the situation. - Able to work well under pressure, meet multiple and sometimes competing deadlines. - Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages. - Basic computer skills required: word processing, email, and mortgage software. Requirements - 2-3 years of Ellie Mae Encompass Loan Origination System Experience (preferred). - Microsoft Excel proficiency (preferred). Expectations - Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service. - Maintain a high level of integrity, confidentiality and trust. - Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures. - Meet established productivity, loan quality and task management standards. - Ensure confidentiality of client records. - Demonstrate a commitment to the Company Culture. - Respond to phone calls and emails within the same workday. Workplace Requirements - Able to navigate a standard office environment (remotely and/or in office).
Job Requirements
- 2+ years of new mortgage loan origination processing or underwriting experience.
- Excellent working knowledge of FNMA, FHLMC guidelines.
- Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA).
- Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies.
- Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
- Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
- Able to define problems, collect data, establish facts and provide information to resolve the situation.
- Able to work well under pressure, meet multiple and sometimes competing deadlines.
- Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
- Basic computer skills required: word processing, email, and mortgage software.
- 2-3 years of Ellie Mae Encompass Loan Origination System Experience (preferred).
- Microsoft Excel proficiency (preferred).
- Expectations
- Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.
- Maintain a high level of integrity, confidentiality and trust.
- Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
- Meet established productivity, loan quality and task management standards.
- Ensure confidentiality of client records.
- Demonstrate a commitment to the Company Culture.
- Respond to phone calls and emails within the same workday.
- Workplace Requirements
- Able to navigate a standard office environment (remotely and/or in office).
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This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Our client is seeking an experienced and strategic EVP Inland Marine Underwriting to lead the underwriting strategy, portfolio management, and growth of their Inland Marine business. This individual will be responsible for overseeing underwriting operations, driving profitable growth, and maintaining strong broker relationships across key markets. The ideal candidate brings deep technical expertise in inland marine lines, strong leadership capabilities, and a proven track record of managing profitable portfolios. This role will play a key part in shaping underwriting strategy, guiding underwriting teams, and partnering with internal stakeholders to strengthen the company’s inland marine presence. - Lead underwriting strategy and portfolio management for the Inland Marine line of business. - Oversee underwriting activities for inland marine risks including, but not limited to: - Builders’ risk - Contractors’ equipment - Motor truck cargo - Installation floaters - Miscellaneous inland marine exposures - Establish underwriting guidelines, pricing strategies, and risk selection standards to support profitable growth. - Review and approve complex or high-value risks while providing technical expertise and guidance to underwriting staff. - Manage and mentor inland marine underwriting team members, supporting professional development and technical training. - Monitor portfolio performance, analyze trends, and adjust underwriting strategy to meet profitability and growth objectives. - Develop and maintain strong relationships with retail and wholesale brokers to drive production and retention. - Collaborate with actuarial, claims, risk control, and product development teams to support underwriting initiatives and product enhancements. - Identify market opportunities and emerging risks to expand the organization’s inland marine capabilities. - Ensure compliance with company underwriting guidelines and regulatory requirements. - Represent the organization at broker meetings, industry events, and market engagements. Qualifications - 12+ years of inland marine underwriting experience, with leadership or management responsibilities preferred. - Strong technical knowledge of inland marine coverage forms and exposures. - Demonstrated experience managing or overseeing a profitable book of business. - Proven ability to evaluate complex risks and provide strategic underwriting guidance. - Established broker relationships and strong marketing skills preferred. - Bachelor’s degree in Risk Management, Insurance, Finance, Business, or related field preferred. - Leadership experience mentoring and developing underwriting talent. - Excellent analytical, negotiation, and decision-making skills. - Strong written and verbal communication abilities. - Ability to collaborate effectively with cross-functional teams and senior leadership. - Proficiency with underwriting systems and Microsoft Office applications. Benefits - $275,000 – $400,000 + Bonus (depending on experience) - Paid time off and company-recognized holidays - Performance-based annual incentive opportunity - Remote work flexibility - Comprehensive health benefits package (Medical, Dental, Vision, Life)
• Crear y mantener archivos de préstamo en LOS y CRM. • Revisar solicitudes para asegurar exactitud y completitud. • Mantener archivos digitales organizados y en cumplimiento. • Dar seguimiento a hitos, fechas límite y requisitos pendientes. • Comunicación con Clientes Servir como punto de contacto secundario para los solicitantes. • Proporcionar actualizaciones por teléfono y correo. • Solicitar documentos faltantes y comunicar claramente los siguientes pasos. • Solicitar documentos de ingresos, activos, crédito y otros requisitos. • Verificar completitud antes de subirlos al sistema. • Etiquetar y organizar documentos correctamente en LOS. • Apoyar en la resolución de condiciones junto al Loan Officer y el Processor. • Monitorear diariamente la cartera activa. • Mantener listas de tareas y recordatorios por expediente. • Identificar posibles problemas y escalarlos oportunamente.

