Jr. Underwriter
Job Posting for Jr. Underwriter at Semper Home Loans
Semper Home Loans, a mortgage lender headquartered in Providence, RI, is actively seeking a Jr. Underwriter to join our underwriting team.
Responsibilities:
- Review loan files to determine compliance with lender credit underwriting guidelines as well as government guidelines.
- Review and validate borrower(s): income (including complex business and personal tax returns), credit, asset documentation, title, and fraud reports.
- Analyze loan files to determine credit worthiness of borrowers.
- Prioritize and manage files among new submissions, documents, and funding.
- Work as a team with loan officers and other professionals to ensure file completeness.
- Review the appraisal process to ensure the value of the property is accurately presented.
- Maintain production standard goals as established by management.
- Re-underwrite loans if and when additional information has been received.
- Be proactive in researching general underwriting scenarios and guidelines to stay up to date.
- Assist with post-closing items.
Required Qualifications:
- Bachelor’s degree, or equivalent combination of education and experience
- Must have a minimum of two years experience in mortgage underwriting including conventional, FHA, VA, and/or specialty program underwriting.
- Must have active DE CHUMS.
- LAPP/SAR is preferred but not required.
- Must be familiar with investor guidelines.
- Strong analytical and decision-making/problem-solving skills.
- Excellent interpersonal, organization, prioritization, and time management skills.
- Strong working knowledge of ATR/QM requirements
- Encompass LOS experience required
- Knowledge of compliance and disclosure requirements (TRID)
Benefits
- We offer medical, dental, vision, life insurance, 401k plan with a 3% match of employee contributions as well as paid vacation, sick, and holiday pay
- We are also open to the position being fully remote for the right individual.
Semper Home Loans is an EEO/AA employer
Salary.com Estimation for Jr. Underwriter in Providence, RI
$65,052 to $87,426
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Job openings at Semper Home Loans
Semper Home Loans
Providence, RI
Full Time
Semper Home Loans
Providence, RI
Full Time
Semper Home Loans
Providence, RI
Full Time
Semper Home Loans
Providence, RI
Full Time
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