Optimum First Mortgage · 1 day ago
Mortgage Underwriter / Pre-Underwrite Files
Huntington Beach, CA
Full-time
Onsite
Mid, Senior Level
3+ years expOptimum First Mortgage is dedicated to providing exceptional mortgage services with a focus on integrity and customer satisfaction. They are seeking a detail-oriented Mortgage Underwriter / Pre-Underwrite Files to join their team, responsible for pre-underwriting files with less pressure than traditional underwriting roles.
Financial Services
Hiring Manager
Jillian Boor
Responsibilities
Review credit documents accordance to FHA, agencies and investor’s guidelines
Review borrower’s income and assets accordance to FHA, agencies and investor’s guidelines
Review subject property and values accordance to FHA, agencies and investor’s guidelines
Review all forms and disclosures making sure they are in compliance with both State and Federal
Must be able to make loan decision independently (Approve or Decline)
Effectively calculate all income types and different income scenarios
Answer questions from Junior underwriters/loan analysts, loan officers, sales managers and processing
Assign loan submissions to Jr Underwriters/Loan Analysts
Assist in restructuring loans according to the qualifications of the borrower(s)
Speed and Efficiency is essential
Qualification
Required
Minimum 3+ years of recent experience as a Mortgage Underwriter
Comprehensive understanding and knowledge of current residential lending guidelines
Current knowledge of federal and state laws pertaining to the mortgage banking industry
Current knowledge of the mortgage origination process, policies, and procedures
Strong communication skills and ability to effectively interact with agents, processors, and brokers
Review credit documents accordance to FHA, agencies and investor's guidelines
Review borrower's income and assets accordance to FHA, agencies and investor's guidelines
Review subject property and values accordance to FHA, agencies and investor's guidelines
Review all forms and disclosures making sure they are in compliance with both State and Federal
Must be able to make loan decision independently (Approve or Decline)
Effectively calculate all income types and different income scenarios
Answer questions from Junior underwriters/loan analysts, loan officers, sales managers and processing
Assign loan submissions to Jr Underwriters/Loan Analysts
Assist in restructuring loans according to the qualifications of the borrower(s)
Speed and Efficiency is essential
Company
Optimum First Mortgage
Welcome to Optimum First Mortgage! We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase