This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Help People Achieve the Dream of Homeownership. Do you enjoy analyzing complex information, solving financial puzzles, and making sound decisions that truly matter? Join our team as a Mortgage Underwriter, where your expertise helps turn homeownership dreams into reality. In this role, you’ll review and evaluate mortgage loan applications, analyze borrower qualifications, and make critical lending decisions using internal underwriting standards along with FNMA, FHLMC, and government guidelines. If you thrive in a fast-paced environment, enjoy working with numbers and documentation, and take pride in accuracy and integrity, we’d love to hear from you. What You’ll Do - Review loan applications to determine the appropriate funding source and loan program - Calculate income for all borrower types and review complex tax returns and financial statements - Analyze multiple funding sources to determine overall borrower creditworthiness - Evaluate risk related to borrowers, collateral, and the overall transaction - Review loan documentation and request additional information when needed - Provide final underwriting approvals for conventional and government mortgage loans, including: - Leaseholds - Construction loans - Non-owner occupied properties - Condominiums - Mortgage insurance secured loans - Higher-risk loan scenarios - Underwrite credit, capacity, and collateral according to established policies and procedures - Complete all required documentation accurately and within required timelines - Communicate effectively with staff and management to meet deadlines - Maintain organized records, files, e-folders, and database entries - Ensure compliance with all applicable state and federal laws and regulations - Follow FNMA, FHLMC, HUD, VA, and industry underwriting standards - Support team initiatives and assist with additional duties as needed Qualifications - High school diploma or equivalent required - Bachelor’s degree in a related field preferred, but not required - 3+ years of mortgage underwriting experience preferred - Related military training or experience may substitute for education or work experience - Preferred certifications include: - VA Staff Appraisal Reviewer (SAR) and underwriting authority - FHA DE Underwriting authority with valid CHUMS number - HUD 184 underwriting authority Requirements - Excellent written and verbal communication skills - Collaborative mindset with a focus on team success - Professional, ethical, and respectful communication style - Strong judgment and reasoning skills - Ability to explain and support underwriting decisions - Detail-oriented with a commitment to accuracy and quality - Comfortable managing changing priorities and deadlines - Able to remain organized and productive under pressure - Intermediate knowledge of Microsoft Office (Word, Excel, PowerPoint, Outlook) - Comfortable using loan processing systems and standard office equipment Benefits - Medical, Dental and Vision insurance, including FSA (Flex Spending Account) - Paid Time Off to include select paid holidays - Retirement Benefits with generous 401K match - Paid Parental Leave - Education Assistance - Employee Assistance Program - Employee Wellness Program - Pay is depending on experience. Minimum for is $39.63/hour Company Description Northrim Bank/Residential Mortgage, LLC is an equal opportunity and affirmative action employer. Northrim Bank/RML does not discriminate in employment based upon race, color, religion, sex, sexual orientation, gender identity, age, national origin, physical or mental disability, protected veteran status, pregnancy, parenthood, marital status, changes in marital status, genetic information or any other status protected by federal, state or local law.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description EPM is seeking an experienced mortgage Underwriter to join our team. You’ll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. - Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis. - Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays. - Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; inquire about any additional information needed to determine loan risk. - Review mortgage loan applications and examine supporting documents to ensure all required information is included and complete for approval or rejection; make accurate and timely underwriting decisions for mortgage loans. - Ensure that once all information is received it is accurate, meets compliance standards, and aligns with company policies. - Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions. - Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications. - Meet company SLAs for loan turnaround times and file quality standards. - Provide exceptional customer service by responding to client inquiries regarding loan application statuses or documentation requirements. - Additional responsibilities related to business needs. Qualifications - Knowledge of home loans and residential mortgages such as conventional, VA, FHA, USDA, Non-QM loans, and loan products. - 5+ years of mortgage underwriting experience or mortgage lending experience required. - Active DE/CHUMS and LAPP/SAR certification required. - 2+ years' experience with manual underwrites. - High school diploma required; college degree preferred. - Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies. - Knowledgeable in automated underwriting systems and Microsoft Office. - Strong decision-making and communication skills. - Recent experience with wholesale underwriting. - Proficiency with Encompass loan origination system preferred. Company Description Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clear to live in a world that everyone has the opportunity for the American Gift. We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. - Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources such as Conventional, FHA, VA, Reno, Reverse, and USDA loans. - We are proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options. - EPM is an equal opportunity employer committed to creating an inclusive environment for all employees.

Are you looking for a company who believes in world-class employee culture and focuses on growing YOU professionally? Welcome to National Fire Experts, a leader in the property insurance intelligence industry. We are currently seeking a Part-Time Fire Investigator to join our growing team in Little Rock, AR. The Fire Investigator is responsible for studying fire and explosion scenes. They will do all the required studies and all other work necessary to determine the cause and origin of fires and explosions. They will convey their findings and conclusions to others clearly and concisely, usually through a written report. If necessary, they will defend their opinions in a court of law. What Does National Fire Experts Offer You? - Remote Schedule - Competitive Compensation Package - Bonus Opportunity - Career Growth - A Diverse & Positive Work Environment - Professional Development - Employee Referral Bonus - Medical, Vision, and Dental Insurance Coverage - 401K with Match - HSA and HRA (Employer contributions) - Paid Parental Leave - Company Paid Life Insurance - Company Paid Short-Term and Long-Term Disability - Tuition Reimbursement - Paid Time Off and Holidays Duties and Responsibilities: - Timely field visits to loss sites to conduct cause and origin investigations. - Provides honest and unbiased analysis and consultation on various fires and explosions. - Field studies and research on a daily basis. - Must travel to perform investigations within a 100-mile radius (further when required) from the assigned office. Depending upon the workload and distance traveled, occasional overnight travel may be required. - Will have close client interaction, often dealing with sensitive and confidential information. - Writes and submits detailed and accurate reports on completed investigations in a timely manner in accordance with company guidelines. - Will communicate with National Fire Experts' customers to provide timelines and project updates on a consistent basis. - Must be willing and able to provide expert testimony and/or depositions on an as needed basis. - Must be willing to work a flexible schedule during periods of peak business demand. - Will provide excellent customer service to both the company’s internal and external customers. - Perform other duties as assigned by management. Minimum Qualifications: - Must have CFEI certification through NAFI, or CFI certification through IAAI (preferred). - Must hold or have the ability to obtain a Private Investigator License in the state(s) in which they are assigned within 60 days of employment (if applicable). - Must be familiar with NFPA 921. - Must meet all the requirements for qualification as a fire investigator per NFPA 1033. - Previous expert testimony or deposition experience highly preferred but not required. - Degree or some college coursework is preferred but not required. - Must have at least 2 years of hands on experience working in the public and/or private sectors performing fire origin and cause investigations on residential and commercial structures. - Must be well organized with the ability to deliver fast and accurate turnaround times. - Must be able to handle multiple project workload and periods of high stress, especially during times of peak business demand. - Must be hands-on and able to climb ladders and roofs, crawl in tight spaces, etc. as needed to perform investigations. - Will work projects that are assigned to them unless sufficient hazards are identified utilizing National Fire Experts' Safety Protocol guidelines and JSA’s. - Meet all standards for pre-employment physical examination. - Excellent written and verbal communication skills. - Must be team-oriented and service-oriented. - Must have a valid driver’s license with an acceptable driving record in accordance with the firm’s guidelines. - Must have superior customer service skills. - Must always conduct business in an honest and ethical fashion. - Experience with writing detailed investigation reports is highly preferred. - Must have excellent overall computer skills. - Must meet or exceed company aptitude standards regarding computer and technical proficiency. - Must have the ability to work efficiently with little or no supervision. - Must be willing to travel and/or work a flexible schedule during periods of peak demand. - Must have the willingness to work remotely and from home office. - Must have employee-provided, high-speed internet that is reliable and accessible at remote office Physical Requirements: - Frequently required to stand on one’s feet for prolonged periods of time. - Frequently required to lift and/or move objects weighing up to 100 lbs. - Frequently required to climb onto roofs, ascend/descend ladders, stairs, scaffolding, ramps, etc. - Frequently required to balance, stoop, kneel, crouch, climb, and crawl. - Frequently required to reach with hands and arms. - Frequently required to spend extended periods of time operating a motor vehicle. - Frequently required to use hands to finger, handle, or feel. To learn more about us visit https://nationalfireexperts.com/. National Fire Experts are committed to creating a diverse environment and is proud to be an equal opportunity employer. We are an E-Verify participating employer.

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).