Underwriter Remote Pacific NW
Company: Fairway Independent Mortgage Corporation
Location: Kirkland
Posted on: January 12, 2021
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Job Description:
Job Posting: It's fun to work in a company where people truly
BELIEVE in what they are doing!We're committed to bringing passion
and customer focus to the business.The Underwriter position
underwrites residential loans ensuring compliance with appropriate
company, secondary market Investor standards, and all applicable
laws. Examines loan documentation for accuracy and completeness.
Partners with Loan Originators, Branch Managers and Processors to
secure all required documents.Essential Job Functions:* Follows
prescribed guidelines, receives and reviews loan applications and
associated documentation to insure thoroughness and accuracy*
Verifies loan-to-value ratios, completeness of application
information and credit reports* Analyzes credit reports and
associated documentation, analyzes appraisals, qualifies and
classifies loans according to Company guidelines* Maintains
acceptable turnaround times for applications submitted for
pre-approval and on funding packages* Interacts with Quality
Control, Compliance, and Funding for problem resolution, risk
evaluation and compliance concerns* Develops and maintains an up to
date and sound knowledge of multiple loan product guidelines
offered by the company, DU/LP guidelines, and risk assessment tools
used to decision mortgage loans * Reworks loans to new terms,
identifies additional conditions as needed to insure a viable
credit decision * Reviews and evaluates borrower(s) profile
including but not limited to all income documentation, tax returns,
credit reports, preliminary report, judgments, bankruptcy documents
and appraisals and ensures all necessary documentation is requested
to support final loan decisions * Exercises good judgment, conducts
reasonableness tests and issues quality decisions * Determines
accuracy and completeness of files; ensures processes are
consistent * Demonstrates proficiency in automated underwriting
systems* Maintains a sound knowledge of secondary market activity,
practices, and business/industry practices as they impact
underwriting quality and origination activity * Communicates
regularly with loan originators, management,
processorsNon-Essential Job Functions:* Participates in and leads
proactive team efforts to achieve departmental and company goals*
Adopts Fairway values in personal work behaviors, decision making,
contributions and interpersonal interactions* Contributes to a
positive work environment by demonstrating cultural expectations
and influencing others to reward performance and value "can do"
people, accountability, diversity and inclusion, flexibility,
continuous improvement, collaboration, creativity and fun* Performs
other duties as assignedRequired Knowledge and Skills:* Solid
knowledge and understanding of FHA\VA\USDA, FNMA and FHLMC policies
and guidelines* Solid knowledge and understanding of mortgage loan
processing, compliance, investor products and underwriting
guidelines* Solid knowledge and understanding of mortgage insurance
(MI) guidelines* Solid knowledge and understanding of various fraud
tools* Solid knowledge and understanding of processing and closing
functions and a general understanding of the entire real estate
lending process.* Solid knowledge and understanding of customer
service and intrapersonal best practices* Extensive knowledge and
understanding of Investor, FHA and Fannie Mae guidelinesRequired
Education and Experience:* Minimum of 5+ years of residential loan
underwriting experience required* Prior mortgage processing
experiencer preferred.* Credit signing authority experience
preferred* DE certification and recent FHA underwriting experience
preferred* Secondary market experience preferred* VA SAR/LAPP
experience preferred* Demonstrated experience with repurchase
response and/or rebuttal review and response preparation *
Demonstrated experience working with Fannie Mae Desktop Underwriter
and Freddie Mac Loan Prospector preferred* Demonstrated experience
researching information, problem solving, and making solid business
decisions* Demonstrated experience reporting, analyzing,
interpreting, and critical thinking* Demonstrated experience
working with Mortgage Brokers* Demonstrated experience effectively
managing relationships with internal and external partners*
Demonstrated experience working in a fast paced and changing
environment* Demonstrated experience with attention to detail,
written and oral communication, multi-tasking, and working in a
team atmosphere adhering to tight deadlines* Demonstrated
experience with MS Office software productsPhysical Environment:*
This position is primarily a work from home position* Normal home
office environmentTravel Expectations:* Local travel may be
required for company or career-related meetings, programs, and/or
events.Reasonable Accommodations To perform this job successfully,
an individual must be able to perform each essential duty
satisfactorily. Reasonable Accommodations may be made to enable
qualified individuals with disabilities to perform the essential
functions.#Indeed
Keywords: Fairway Independent Mortgage Corporation, Kirkland , Underwriter Remote Pacific NW, Other , Kirkland, Washington
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