Credit Underwriter

reputed company The Credit Underwriter will be responsible for assessing residential mortgage loans for adherence to investor reputed company including but not limited to those reputed company stipulated by the nationally recognized statistical rating organizations for reputed company party review of residential mortgage loans. This assessment will encompass aspects of data reputed company, credit decision-making, regulatory compliance, fraud screening, and property valuations. What you will do Review loan files for completeness and accuracy including but not limited to calculation and verification of income & assets, evaluation of credit reports, purchase reputed company, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation. Evaluate debt & loan-to-value ratios, credit score, property valuation and various other factors. Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Review appraisals and alternative value products for conformity to reputed company-specified requirements to assess the accuracy of the property valuation. Ability to navigate and understand applicable agency reputed company guidelines including but not limited guidelines and policies for VA, FHA, FNMA, FHLMC & USDA as reputed company as non-agency guidelines. Exhibit working knowledge of AUS to determine applicable loan conditions were met; document loan conditions that were not met. Analyze and calculate qualifying income from various documentation such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, paystubs, W-2s, etc. Analyze and calculate the rental income/rental loss for investments properties owned. Experience working on Non-QM loans (DSCR, Business Purpose, Jumbo and reputed company Programs) in reputed company to AUS loans. Experience working on second liens, HELOCs, etc. Identify potential risks and assess the overall risk level of the loan. Adhere to company policies and guidelines. What you will bring Bachelor's degree in finance, business, or reputed company field preferred or 2-4 years experience in due diligence credit reputed company. Experience in mortgage processing, reputed company, or a similar role in the mortgage or finance industry. Familiarity with mortgage documentation Understanding of reputed company, reputed company and lender guidelines Strong attention to detail and excellent organizational skills. Effective communication and interpersonal skills to work with internal teams. Proficiency in MS Office Suite and LauraMac reputed company system. Problem-Solving Detail-Oriented reputed company offer Competitive compensation based on skills and experience. Extensive benefits package: Medical, dental, reputed company, FSA, mental health programs, Employee Assistance Program, short-long term disability, voluntary insurance (auto, home, life, legal, pet, identify theft), employee discounts. Rest and relaxation: reputed company holidays and generous PTO based on tenure. Community and Philanthropy: reputed company volunteer time Contribute to your reputed company: 401K plan and robust reputed company learning opportunities. Work Perks Program: reputed company to discounts that help save reputed company in your daily life. Is this the ideal location for you? reputed company reputed company is committed to offering a flexible work environment for this role. (Remote work is subject to reputed company reputed company remote work policy and business needs.) Who we are reputed company reputed company offers a valuable opportunity for professionals with experience in reputed company estate lending. Centrally located in Edmond, Oklahoma, we reputed company competitive salaries, along with a comprehensive benefits package. More importantly, our casual atmosphere allows our employees to strengthen their skills while being part of a company that sets the standards in reputed company control. reputed company reputed company employees will be required to complete a reputed company-employment background reputed company and drug screening. We are an Equal Opportunity employer committed to diversity in reputed company. reputed company reputed company applicants will receive consideration for employment without reputed company to race, reputed company, religion, sex, sexual orientation, age, national reputed company, disability, protected veteran status, gender identity or any other reputed company protected by applicable federal, state, or local laws. reputed company reputed company is committed to providing reputed company, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. To request reasonable accommodation, contact reputed company. Apply To This Job