Job Description

HomeXpress – Your Leading Non-QM Mortgage Lender.

Join our growing team and be part of the Top Non-QM Lender in the Business.

We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.

If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Title: Senior Government Underwriter

Department: Agency Operations

Reports To: Agency Operations Manager

PRIMARY FUNCTIONS: The Underwriter (UW) applies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a “knowledge bank” in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage’s clients.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Analyze submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines
• Properly Condition loans per Underwriting Guidelines and AUS as applicable
• Communicate decisions to appropriate individuals
• Clear all underwriting conditions
• Ensure the highest quality and level of customer satisfaction
• Resolve Quality Control and Post Closing deficiencies
• Collaborate with sales for positive customer experience

DESIRED PERSONAL CHARACTERISTICS:

• Detail oriented and committed to the highest quality
• Self-Starter with positive Can-Do attitude
• Works well under pressure and relishes the responsibility that comes with the job
• Problem solving and analysis
• Decision making
• Results driven
• Communication proficiency
• An open-minded individual that embraces change and innovation

JOB REQUIREMENTS:

• Render decisions, clear conditions, and issue CTC
• Meet daily and monthly targets for productivity
• Maintain acceptable quality, and
• Provide a high level of customer service

EDUCATION

• High school diploma

EXPERIENCE:

• 5+ years of experience in mortgage underwriting
• At least one government underwriting designation:
  • VA LAPP/SAR, or
  • FHA DE
• Manual underwriting to FHA and VA handbook requirements
• AUS proficient
• Computer proficient in Excel, Word, Outlook, and various LOS
• Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail.
• Ability to communicate issues between several audiences proficiently
• Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

PHYSICAL REQUIREMENTS:

• This position is in an office setting / remote with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.

Additional Information

All your information will be kept confidential according to EEO guidelines.