Experienced Mortgage Underwriter

Total Mortgage
Oct 15, 2016
Oct 27, 2016
Employer Type
Direct Employer
Employment Type
Full Time
Job Description:

Exceptional company seeking exceptional people! We are looking for a highly qualified Mortgage Underwriter to join our team. The Underwriter is responsible for validating income, asset and collateral documents including self-employed tax returns. The Underwriter may be involved in one or several types of mortgage lending (conventional, government-backed, etc.). Lending authority to include conventional, government, and jumbo loan programs. Do you have a proven track record and are you able to successfully???Underwrite residential first mortgages to include Conventional, Jumbo, ARM, FHA, and VA loan types with all applicable state and federal regulatory laws, investor guidelines, internal policy and guidelines, and mortgage guidelines.Review required loan documentation in accordance with secondary market underwriting requirements for income, assets, appraisal, mortgage insurance and related documentation.Clear loans to close by accurately reviewing all terms and conditions for each loanSubmit files through DU and LP and must be able to interpret findingsUpdate Encompass LOS with accurate informationAssist management in the development and maintenance of various lending reports, new lending programs, and special projects. What you will need to succeed:Strong analytical skills and decision making ability to make lending decisions and translate guidelinesExperience reviewing, interpreting, and analyzing loan applicants' credit history, income, asset profiles, tax returns, financial statements, and other complex financial informationIn-depth knowledge of requirements for underwriting FHA, VA, Conventional and non-conforming loans to review loan files and mitigate riskExcellent verbal and written communication skills and the ability to collaborate with managementProficiency with DU and LP. Knowledge of Encompass a plus!The ability to work well under pressure and assist in resolving underwriting-related post-closing issuesDemonstrated ability to work independently and as a member of a teamProfessionalism and confidence when discussing loan products and servicesAbility to pipeline manageHUD Direct Endorsed Underwriters a plus The Requirements: Bachelor's Degree or equivalent combination of education and experience10+ years of mortgage underwriting experience 6 years of loan underwriting experience with knowledge of Conventional (Fannie Mae, Freddie Mac), Government (FHA, VA) is required.Strong computer skills: proficient in Microsoft Word, Excel and OutlookProfessionalism and confidence when discussing loan products and services

Company Description:

About Our Workplace:

Company Description:
Total Mortgage Services, LLC funded $1 billion in mortgage loans since last year alone. Licensed in 35 states, Total Mortgage offers some of America's lowest mortgage rates on a variety of products and programs including fixed-rate loans, adjustable-rate mortgage loans (ARMs), jumbo loans, FHA mortgages and more.

- Total Mortgage holds Better Business Bureau "A" ranking since 1997.
- Total Mortgage was awarded a Hire Power Award from Inc! Magazine and named as a "Top Connecticut Job Creator."
- Total Mortgage was also named one of the top workplaces in Connecticut by the Connecticut Post in 2012.
- Total Mortgage was included in the Inc. Magazines' list of America's Fastest Growing companies for four consecutive years, from 2009 to 2013.
- Total Mortgage was named one of National Mortgage News' "Fab Five-Five Mortgage Firms to Keep an Eye On.

Our Philosophy: Our core philosophy is pretty simple!

- Recruit Selectively: A little effort up front can make all the difference. We search far and wide to find the best recruits from across the nation.
- Reward Excellence: Properly equipped employees are a company's greatest asset. We always make sure our employees are well supported and properly rewarded.
- Retain Talent: Great talent is hard to find. Once we've found it, we make sure we don't lose it.

The TMS Workplace: We take a lot of pride in the culture we've created. Here are a few of the things our employees love most about TMS!

- Work with pros - we hire the best and brightest
- Build a healthy lifestyle with our wellness program
- Participate in any of our sports league teams or join in our community kickball games
- Work around family time with flexible work scheduling
- Score a quick massage on our employee appreciation days
- Dine deliciously and affordably with our subsidized meals in the cafe
- Speak up - We encourage every employee to help improve our culture and processes

Game Room: Relax after work or during breaks in our game room, which includes:

- Billiards
- Darts
- Ping pong table
- Two 60" HDTVs
- PS4
- Shuffleboard table
- Board games
- Karaoke machine

Employee Benefits:
- Medical Insurance - 4 plans to choose from
- Dental Insurance
- Vision Insurance
- Voluntary Life Insurance and Dependent Life Insurance
- Voluntary Long term disability, Short term disability, Accident, Cancer, Critical Illness and Hospital Confinement Indemnity Insurance Plans
401(k) plan

We are an Equal Opportunity Employer

No agencies please