Government Mortgage Loan Underwriter jobs in United States
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OneTrust Home Loans, NMLS 46375 ยท 3 weeks ago

Government Mortgage Loan Underwriter

positionUnited States
timeFull-time
remoteRemote
seniorityMid Level
date4+ years exp

OneTrust Home Loans is a recognized Fortune 5000 company specializing in various mortgage financing options. The Government Mortgage Loan Underwriter is responsible for evaluating loan applications, ensuring eligibility and compliance with regulations, and analyzing financial documents to mitigate risk.

Real Estate
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Growth Opportunities

Responsibilities

Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors
Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and Company guidelines
Accurately analyze complex financial documents and calculate income from various income sources including but not limited to hourly, salaried, commission, self-employed and fixed income, assets statements (401K, checking, savings), analyze residential appraisal reports, review preliminary title reports and the ability to make independent credit decisions
Ensure the highest level of compliance, appraisal analysis and fraud mitigation
Sign off on conditions in a timely manner set by management and work within specified Service Level Agreements ("SLAs")
Maintain current knowledge as it pertains to MDIA, RESPA, TILA, ECOA, HMDA and Fair Lending regulation
Other duties as assigned

Qualification

Underwriting experienceFHAVAConventional loansDEVA LAPP/SARRisk assessmentCompliance knowledgeEncompass experienceAttention to detailCommunication skillsTime management

Required

Bachelor's degree or equivalent combination of education and experience
4 years' current underwriting experience
Proficient knowledge of underwriting terminology
Ability to maintain a knowledge of lending guidelines, investor programs, industry requirements, and industry changes
Ability to make independent decisions regarding acceptance and risk of loans according to HUD, VA, USDA, company, and investor guidelines
Experience with FHA, VA, Conventional conforming and non-conforming loans
DE and VA LAPP/SAR designations
Demonstrated computer skills in word processing, spreadsheet, and electronic mail software
Strong communication and interpersonal skills, and a high level of professional integrity
Maintains a positive, helpful, constructive attitude and work relationship with co-workers and supervisor
Strong time management and organizational skills in a dynamic, constantly changing environment
Attention to detail and quality focused

Preferred

Encompass experience preferred

Benefits

Health insurance
Dental insurance
Life insurance
Vision insurance
Paid time off
Retirement plan
401(k)
401(k) matching

Company

OneTrust Home Loans, NMLS 46375

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OneTrust Home Loans is a privately-owned direct lender and servicer with sales and operations across the country.
dateFounded in 2013
location
San Diego, California, USA
people-size201-500 employees
web-link
http://onetrusthomeloans.com

Funding

Current Stage
Growth Stage

Leadership Team

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James Hecht
Chief Executive Officer
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Recent News

EIN Presswire
OneTrust Home Loans and Grind Analytics Participate in Generative AI Research with the University of Miami
2025-11-04
EIN Presswire
OneTrust Home Loans Showcases Strategic Builder Financing Solutions at Build Expo in Atlanta and Los Angeles
2025-09-26
HousingWire.com
OneTrust challenges mortgage coaching neutrality in suit over trade secrets
2025-08-14
Company data provided by crunchbase