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Certified Home Loans Underwriter at Credit Human in San Antonio, Texas

Posted in Admin - Clerical 30+ days ago.

Type: Full-Time





Job Description:

We are seeking a Certified Home Loans Underwriter for the Home Loan Underwriting Department.


The role of the Certified Home Loans Underwriter is to analyze, assess and decision mortgage loan applications for Credit Human Home Loans in accordance with Credit Human lending guidelines, secondary market guidelines, FHA, VA, and Rural Housing requirements, as well as state and federal regulations. The incumbent must stay abreast of internal lending policies, practices, guidelines, lending systems and products, as well as external regulatory and economic environments. The role is responsible for the review of all loan documentation to ensure accuracy, completeness, and compliance with internal, regulatory, mortgage insurance and investor guidelines in order to render loan decisions in a timely, accurate manner. Incumbent must develop sound working relationships with the Home Loans Production team to ensure accurate and timely decisions are made and communicated effectively to support a quality member service experience


If you have 7 years of experience in the mortgage industry to include FHA and VA underwriting, you should apply right away!


Highlights:



  • Act as the subject matter expert in the area of determining credit and collateral risk. Provide support and general direction to underwriters within authority prescribed by the Portfolio Manager.

  • Take responsibility for problem resolution of non-routine underwriting issues. Review exceptions from policy, guidelines, and procedures to render appropriate decisions within prescribed limits. Communicate course of action, reasoning behind it, noting file and systems as required.

  • Performs all income analysis on incoming applications including evaluation of individual and corporate tax returns.

  • Review and sign off on conditions as needed per loan approval.

  • Maintain commanding knowledge of regulatory compliance, trends and methodologies affecting all loan products.

  • Actively implement an annual individual learning plan for personal and professional growth.

Experience:


    Required



  • Minimum 7 years of experience in the mortgage industry

  • FHA underwriting experience including DE CHUMS registration/number  

  • VA underwriting experience

    Preferred



  • Minimum 5 years of mortgage underwriting experience including conventional underwriting

Education:


    Required



  • High School Diploma or Equivalent

    Preferred



  • Bachelor's degree in business or related field

Licenses & Certifications:


    Required



  • FHA Direct Endorsement (DE) Certification

  • Requires eligibility to be registered as a Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS) and Registry

    Preferred



  • NMLS registered

  • VA Lender Appraisal Processing Program (LAPP) approved

Skills & Knowledge:


    Required



  • Knowledge of credit and collateral underwriting guidelines, rules and regulations governed by state and federal agencies.

  • Knowledgeable in real estate underwriting principles to include secondary marketing automated underwriting engines.

  • In depth knowledge of Fannie Mae Guidelines, DU® guidelines and risk assessment tools used to decision mortgage loans.

  • Ability to effectively communicate credit decisions.

  • Ability to use sound judgment and possess strong decision-making skills.

  • Strong analytical, problem solving and audit skills.

  • Strong organization skills and results orientation.   

Schedule:  Monday-Friday, 8:30 am-5:30 pm 


Level of Work: 2C


Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.


To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.


Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history check on convictions and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

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