Union Home Mortgage Corp.

Underwriter

• Responsible for providing a complex level of support to the National Operations Team and company lending activities for all areas of lending operations
• Trouble shoot questions and issues presented by company personnel, external investors/GSE’s, vendor partners, third party audits, etc.
• Daily review of internal service requests pertaining to underwriting related issues
• Monitor VA appraisals in the VA LGY portal and FEMA updates in AllRegs
• Review post-closing issues including resubmissions for LPA
• Possess a thorough understanding of loan programs/guidelines and lending requirements
• Provide consultation regarding viable loan alternatives
• Evaluate complex loan scenarios, loan applications, inspection, and financial reports to assess financial risk, including potential fraud
• Provide corporate review/signature on loans exceeding $1,000,000
• Review exception requests
• Review Post Close Quality Control findings as well as Repurchase Findings and resolve with additional documentation and/or explanation of decision made.
• Work with training to develop trending, and training to mediate findings
• Work with Operations Support to fix any system issues causing continued findings.
• Work with Operations Support to develop policy in relation to continued findings.
• Review closed loan files and prepare responses to investor and agency audits
• Create job aids, procedure manuals, and/or worksheets for various operations and underwriting functions in order to improve workflow
• Perform control testing on declined loans when assigned by compliance
• Provide ideas and feedback in the creation of corporate policies and procedures
• Complete special projects
• Other duties and/or mortgage related tasks as assigned by management

National Operations Underwriting Specialist

• Oversee the functions of residential underwriting and manage underwriting team at the regional level
• Assist and support functions of residential underwriting to make sure files transfer as efficiently as possible
• Assist in managing the underwriting team including coaching, mentoring, and training
• Reinforce underwriting turnaround times by holding the team accountable to expectations
• Assist with team’s workload and pipeline management as needed
• Support in answering the Scenario email and Underwriting queue for new submissions, appraisal submissions and conditions flow
• Act as a main point of contact and liaison for underwriters, branches, sales, and post-closing file submissions status
• Review and sign off on underwriting and closing conditions as they are met
• Respond to originator/processor questions regarding loan programs, clarification of loan conditions and status of loans in process
• Support implementation of underwriting outsourcing
• Review files from insuring and shipping, including answering questions or identifying missing documentation necessary to ensure salability
• Work with national operations team to effectively improve processes and work effectiveness
• Other duties and/or mortgage related tasks as assigned by management

VP, Underwriting

Sales

• Manager will produce FHA, VA, and conventional loans on behalf of Sierra Pacific Mortgage; limited to the states in which the Area Sales Manager is licensed.
• Devote more than 50% of working time managing and exercising judgment regarding the loan originators assigned to the Area Sales Manager, business development, managing relationships, sourcing applications, originating conventional and government residential mortgage loans, performing sales-generating activities, and servicing and maintaining current clients.
• Responsible for the cultivation of external lead sources to generate loan volume
• Maximize loan production through the management of loan originators assigned to the Area Sales Manager
• Recruit, train and oversee the loan originators assigned to the Area Sales Manager to ensure production goals, quality, and service standards are being met.
• Formulate and implement a business plan that includes a market penetration strategy for lead development, prospect to client conversion, and client to close conversion
• Identify and establish new referral sources through a variety of sales efforts including but not limited to prospecting real estate brokers, developers, builders and financial planners to solicit referrals for mortgage loans
• Regularly participate in business development activities with professional organizations to maintain a network of quality business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
• Attract new borrowers through social media, informational mailings, advertisements, seminars focused on home buyers and participation in community efforts to promote home ownership
• Cultivate repeat business from existing base of borrowers
• Consult with borrowers to identify their loan needs, assess/analyze their financial situation, determine the correct loan options, and provide information relevant to the risks and benefits of each program for which the borrower is qualified
• Guide customers through the loan process by obtaining all borrower required documents, providing borrowers with regulatory disclosures and assist with the submitting to underwriters
• Coordinate all aspects of the mortgage application process with appropriate parties
• Assist in resolving outstanding issues in order to clear conditions and facilitate the closing or the purchase of the loan
• Other duties and/or mortgage related tasks as assigned by management