Mortgage Underwriter

This position is based in NYC but is a Remote position.

Underwriter duties shall include without limitation:

Underwrite Conventional & Jumbo Loans in accordance with FFF overlays, policies and procedures outlined by Director of Operations

Underwrite Conventional & Jumbo Loans in accordance with all agency guidelines and Investor Overlays

Perform industry-standard underwriting activities (e.g. reviewing Income, assets, title, appraisal, loan application, etc.)

Access all risk factors of loan and ensure it meets guidelines

Report to Manager in regard to protocol and file escalation

Check for accuracy of all incoming loan information for file and report discrepancies

Ensure that all of the tax, title, insurance and closing documentation is in place

Interface borrowers, loan processors, loan officers and underwriting in an effective manner

Review the appraisal to make sure it is accurate and thorough, so that the home is truly worth at least the purchase price on purchases and value on refinances

Maintain, understand and follow lender / Agency / Investor guidelines at all times

Underwriters to make sure all of loan factors meet particular loan guidelines

Maintain dates in loan origination system pertaining to underwriting (as applicable)

Submit mortgage loans to automated underwriting systems for approval within investor guidelines

Assure all FINAL numbers and information is updated in file and system prior to issuing a clearance to close

Ensure file compliance prior to closing being requested

All other duties as defined by Employer from time to time