National Operations Underwriting Specialist

Union Home Mortgage Corp.

full-time

Posted on:

Location Type: Remote

Location: United States

Visit company website

Explore more

✨ AI Apply
Apply

About the role

  • 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

Requirements

  • High School Diploma or equivalent required
  • Minimum of 5 years mortgage industry experience required
  • Underwriting experience required, FHA DE and VA LAPP/SAR certifications preferred
  • Knowledge of FNMA, FHLMC, FHA, VA, and USDA guidelines
  • Able to read and interpret documents such as promissory notes, regulatory and legal directives, and other industry related documents
  • Able to interpret an extensive variety of technical instructions
  • Able to apply basic math: compute loan amounts, income, and other mortgage related calculations
  • Basic computer skills required: word processing, Excel spreadsheets, email, and mortgage software, including in depth knowledge of Automated Underwriting Systems (AUS) - Fannie Mae Desktop Underwriter ®(DU®) and Freddie Mac Loan Product Advisor (LPA)
Benefits
  • A full benefits package including medical, dental, vision, 401k, pet insurance and PTO
  • Discounted home loans for employees and their family members
  • HSA and FSA plans
  • Professional opportunities for upward mobility, training, and personal development
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
underwritingloan evaluationfinancial risk assessmentcontrol testingmortgage calculationspolicy developmentexception request reviewpost-closing quality controlloan program guidelinestroubleshooting
Soft Skills
consultationcommunicationproblem-solvingtraining developmentfeedback provisionorganizational skillsattention to detailcollaborationanalytical thinkingadaptability
Certifications
FHA DEVA LAPPVA SAR