Commercial Underwriter Remote Jobs in California (US)
This page tracks remote commercial underwriter openings that are location-eligible for California.
This page tracks remote commercial underwriter openings that are location-eligible for California.
Open jobs
2
Hiring companies this week
2
Salary sample
$81,300 - $81,300
Jobs added last hour
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2 Jobs
2 Companies
Role Description Perform quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre and post-closing audits, compliance. Reviews include identifying potential fraud and/or misrepresentation, processing / underwriting deficiencies, compliance violations, and/or applicable scope specific opportunities. Qualifications - 3+ years’ Underwriting / QC experience - Minimum two years’ experience underwriting to FNMA and/or FHLMC guidelines and FHA and/or VA guidelines - Demonstrable, relevant skills and experience in quality control support and practices in the mortgage loan industry (origination and post-closing) - Impeccable written and verbal communication skills - Excellent time management skills with an emphasis on quality - Knowledge and understanding of transaction components that indicate a potential for fraud and critical compliance violations - Knowledge in the policies, principles and practices of mortgage loan processing, underwriting, and closing - Self-motivated, creative, and able to work in a team environment while thinking independently and sharing knowledge and ideas - Able to multi-task between multiple analytical projects and adapt to constant modification of the work flow - Strong computer skills Requirements - Review and provide Quality Control feedback on loan file reviews completed by internal staff - Pre-Closing Reviews: - Confirm loan product is compliance with program guidelines and borrower eligibility - Review employment documentation and re-calculate income documentation - Review and recalculate asset and reserve documentation - Review credit report and re-calculate liabilities - Review title commitments, hazard and flood insurance - Review and analyze borrower’s mortgage applications and related documents - Review and analyze real estate purchase contracts, if applicable - Perform Appraisal Reviews for completeness, health and safety issues, and external obsolescence - Identify all red flags within a loan file and ensure they are addressed accordingly - Determine proper designation for title, title services and all other shop-able fees - Compare fee payee names listed on Final Settlement Statement to invoices or other docs in file to validate accuracy of information - Compare Specific Closing Instructions for accuracy (fees and amounts) - Compare Specific Closing Instructions for loan terms, principal and interest, escrow information - Post-Closing Reviews: - Review final closing documents to ensure adherence with applicable law - Validate compliance with state specific Non-borrowing spouse signing requirements - On NORTC eligible loans, verify compliance with Notice of Right to Cancel requirements of RESPA - Confirm all documents and pre-funding conditions pertaining Title, Trusts and POAs have been satisfied - Compliance Reviews: - Analyze individual loan files and determine compliance with applicable lender guidelines and/or loan approval - ECOA – Reg B - Fair Credit - Flood - HMDA – Reg C - RESPA – Reg X - TILA – Reg Z - Follow quality control policies and procedures to ensure compliance with scopes of work - Identify training opportunities pertaining to quality reviews and communicate with Quality Manager to implement such needed sessions Company Description
We are an Impact Lender. We exist to love and value people by leading a movement of change in our industry, corporate cultures and communities. #MortgagesThatMeanMore https://www.nmlsconsumeraccess.org/ https://movement.com/legal NMLS 39179
Role Description Join the company defining what it means to be an Impact Lender! Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending – a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender. At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit. Ready to disrupt the mortgage industry with us as a Mortgage Jumbo Underwriter? Then we think it’s time to #joinMovement. What You Need To Know - Reviews complex conventional/conforming Jumbo loan submissions, ensures company guidelines are met, and evaluates loans to maximize company profit and minimize company risk exposure. - Weighs credit risk to ensure liability taken on by the company results in saleable loans. - Performs complex self-employed income analysis. - Reviews and calculates all income types, including complicated tax returns. - Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique, upfront method. - Provides excellent customer service to internal and external customers. - Remote work may be considered for the right candidate. Qualifications - 5+ years of front-end Jumbo underwriting experience required. - 6+ years of front-end, retail purchase mortgage experience. - Exceptional attention to detail. - Ability to work under tight timelines, balancing multiple projects at once. - Proficient in Microsoft Office. - Excellent communication with sales and operations partners. Requirements - Associate’s Degree in Business Management or related field preferred. - 6+ years of mortgage industry experience preferred. - Experience with purchase loans preferred. - Ability to work extended hours (late evenings and weekend work may be required). Benefits - Competitive pay. - Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE. - Retirement plan: 401(k) and Roth. - Paid Time Off: 16 days front loaded. Prorated based on the start date month. - 11.5 paid holidays per year. - Employee assistance program. - Excellent career growth opportunity. - Fun, team-focused working environment. - Employee driven community outreach program. - Relocation packages available.
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