What are the responsibilities and job description for the Mortgage Underwriter position at WYNDHAM CAPITAL MORTGAGE INC?
Job Details
What You Will Be Doing
Wyndham Capital Mortgage is looking for an Underwriter to review and conduct the appraisal of applications for Mortgage Loans. Underwriters use knowledge and independent judgment to determine eligibility of risks when compared to guidelines of programs available. The ability to maintain a positive work atmosphere by acting and communicating in a manner that you get along with customers, co-workers, and managers is a must!
The ideal candidate will be able to:
- Examine and evaluate documents such as application forms, inspection reports, financial reports, and other data to determine degree of risk
- Perform timely reviews of stipulations/conditions submitted
- Analyze loan packages to deliver valid credit decisions
- Maintain quality control standards while maintaining production standards by company’s definition
- Request additional documentation necessary for the processing of an application
- Interpret GSE guidelines as well as investor guidelines
What We Need
- Strong credit, risk analysis, and analytical skills
- Thorough understanding and strong working knowledge of credit, underwriting, credit policy and financial statement analysis and property evaluation
- Be able to examine loan documentation for accuracy and completeness
- Be familiar with fraud detection techniques
- Excellent customer service skills
- Active CHUMS # a plus
- Active SAR and VA credit authority a plus
- Knowledge of DU and LP
- Ability to work with loan originators and production staff to acquire all required documentation
- Must possess strong credit, risk analysis and analytical skills
- College Degree Preferred
- Minimum of 2 years of experience in underwriting Conventional loans.
You are someone who…
- Strives to provide +1 Service to ensure success, to both internal teams and external clients
- Has the upmost integrity, period.
- Is naturally curious - you enjoy seeking out and applying new things in your job
- Knows how to make smart, informed decisions
- Has passion for your job and positive energy that is infectious!
- Cares about your work and performance, and you want to provide impact across the organization
- At times, can be innovative and not afraid to bring big thinking and ideas to the table
- Is able to deliver influential communication to others
- You take your work seriously, but not yourself. You like to have fun at work!
The Perks:
- Group health coverage (medical, dental, & vision)
- Paid Time Off
- Employee Assistance Programs
- Pre-tax health spending account (HSA)
- 401(k) plan (with company match)
- Company provided life insurance
- Pet Insurance
- Employee discounts (fitness, phone)
- Wellness events
About Wyndham Capital:
Wyndham Capital Mortgage’s corporate culture empowers our employees. We strive to facilitate a greater sense of purpose in our jobs and lives. Your involvement will translate directly to continuous improvement in our systems and processes. We also believe in a deeply rooted culture based on caring for our employees in ways that will empower them to care for each other and our customers. Wyndham Capital Mortgage, founded in 2001, is a Direct to Consumer Lender, active in 45+ States and has more than 200 employees in Charlotte, North Carolina.