Sr Residential Mortgage Underwriter Job at TalentBurst, an Inc 5000 company, Henderson, NV

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  • TalentBurst, an Inc 5000 company
  • Henderson, NV

Job Description

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Sr Residential Mortgage Underwriter (1413916)

Location: 2485 Village View Dr Henderson, NV 89052

Either Plano, TX or Henderson, NV

Duration : 6 Months

Pay rate : $41.37

Monday - Thursday onsite, Friday remote

The individual will evaluate and determine the eligibility of loan applications and provide second signature oversight of our mortgage fulfillment vendor approvals.

Roles and Responsibilities

Sr Residential Mortgage Underwriter (1413916)

Location: 2485 Village View Dr Henderson, NV 89052

Either Plano, TX or Henderson, NV

Duration : 6 Months

Pay rate : $41.37

Monday - Thursday onsite, Friday remote

The individual will evaluate and determine the eligibility of loan applications and provide second signature oversight of our mortgage fulfillment vendor approvals.

Roles and Responsibilities

Assess and evaluate the creditworthiness of individuals seeking a mortgage loan with Toyota Financial Savings Bank.

Thoroughly examine financial documents, credit reports, income verification, and other relevant information.

Evaluate the borrower's ability to repay the loan based on income, debts, credit history, and other factors.

Perform complex income calculations for borrowers with various types of employment.

Analyze loan applications for borrowers who own multiple investment properties and second homes.

Analyze mortgage loan applications to ensure compliance with company mortgage lending guidelines.

Provide second signature appraisal reviews.

Provide second signature file reviews on files underwritten by our mortgage fulfillment vendor.

Approve, deny, or recommend conditions for loan approvals based on the analysis and risk assessment.

What phase is the project currently in? Ongoing to meet loan production needs. Mortgage Kaizen projects are in progress and on-going.

Job Description

We are looking for an experienced mortgage underwriter to evaluate and determine the eligibility of loan applications and provide second signature oversight of our mortgage fulfillment vendor approvals.

The mortgage underwriter's responsibilities include analyzing and verifying loan applications, evaluating risks, and making loan eligibility decisions.

Requirements

What you'll be doing:

Assess and evaluate the creditworthiness of individuals seeking a mortgage loan with Toyota Financial Savings Bank.

Thoroughly examine financial documents, credit reports, income verification, and other relevant information.

Evaluate the borrower's ability to repay the loan based on income, debts, credit history, and other factors.

Perform complex income calculations for borrowers with various types of employment.

Analyze loan applications for borrowers who own multiple investment properties and second homes.

Analyze mortgage loan applications to ensure compliance with company mortgage lending guidelines.

Provide second signature appraisal reviews.

Provide second signature file reviews on files underwritten by our mortgage fulfillment vendor.

Approve, deny, or recommend conditions for loan approvals based on the analysis and risk assessment.

Qualifications/ What you bring (Must Haves) Highlight Top 3-5 skills:

HS Education or equivalent.

2-5 Years Relevant Work Experience Required.

Knowledge of the end-to-end mortgage origination process including property appraisal, income, asset, credit, and program requirements.

Knowledge of the rules and regulations that govern mortgage lending.

Demonstrated strong knowledge of TRID rules and regulations to include LE/CD disclosure timing, CIC, APR rules and tolerance cures

Strong knowledge of and ability to correctly apply application mortgage lending regulations to loans in process.

Excellent verbal and written communication skills

Strong data analysis capabilities and the ability to clearly communicate findings.

Meticulous attention to detail.

Ability to calculate W2, fixed, and complicated self-employed income for borrowers with multiple businesses.

Knowledge of mortgage industry manual underwriting guidelines.

Preferred/ Nice-to-haves

Four Year college degree (BA or BS)

5-10 years relevant work experience

#TB_EN Job #: 25-31376

Seniority level

  • Seniority level

    Mid-Senior level

Employment type

  • Employment type

    Contract

Job function

  • Job function

    Finance and Sales
  • Industries

    Staffing and Recruiting

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#J-18808-Ljbffr TalentBurst, an Inc 5000 company

Job Tags

Contract work, Work experience placement, Self employment, 16 hours, Monday to Friday,

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