Homeowners Financial Group USA, LLC · 4 months ago
Senior Underwriter - Corporate Scottsdale, AZ
Scottsdale,AZ,US
Full-time
Hybrid
Senior Level
7+ years expHomeowners Financial Group USA, LLC is an award-winning mortgage company known for its positive company culture and community involvement. They are seeking a Senior Underwriter responsible for evaluating and approving loan applications while ensuring compliance with guidelines and standards.
FinanceFinancial ServicesInformation TechnologyLendingMortgageReal Estate
Responsibilities
Utilizes knowledge and experience to serve as an advisor for junior members of the department
Proactively suggests program alternatives for clients who do not qualify for terms initially submitted
Demonstrates sound judgment in the analysis of required documentation with mitigating organization risk through appropriate decision-making
Meets or exceeds productivity levels established by Management and credit quality standards set for by Homeowners
Responds timely to post-close suspense’s and issues, quality control errors and audit reviews when requested
May assist Underwriting Manager when necessary and assist with team member training
Acts as a resource for operations and sales colleagues regarding specific product requirements for loans in process
Coaches Processors, LMPs, Underwriters, and Jr. Underwriters when appropriate and works with them to find solutions to problems when possible
Communicates effectively and engages proactively with LMPs, processors, branch managers, funders, and post-closers regarding loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
Assesses the risk of a loan and makes an approval or decline decision based on the quality of the data in the loan file
Analyzes and verifies the employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process on each loan application
Ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral
Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met, escalates to management for review
Applies all internal underwriting guidelines, investor requirements, and federal regulations to the decision process to ensure loan quality
Participates in Homeowners internal meetings and required trainings
Maintains a professional image and demonstrates an understanding of and follows all Homeowners Policies and Procedures
Other duties as assigned
Qualification
Required
High School Diploma or equivalent required
Minimum 7 years of underwriting experience required
FHA Direct Endorsement Underwriter Designation required and/or VA SAR
Appraisal and appraisal review experience required
Ability to read, analyze, and interpret financial data
Excellent documentation and analytical skills required
Proficient PC skills to include Excel, Word, and Microsoft Outlook
Knowledge of investor and GS guidelines including Fannie Mae and Freddie Mac
Must be able to demonstrate established competency levels for all required regulatory or compliance-related processes and/or procedures within established timeframes of appointments
Excellent written and verbal communication skills
Strong customer service skills to internal and external customers
Ability to develop positive relationships
Exceptional organization and time management skills
Ability to manage multiple tasks and deadlines in a fast-paced environment
Must be able to implement written procedures
Independent, self-starting, team player with a positive attitude
Preferred
Management or team leadership experience desired
Experience with Desktop Underwriter (DU), Loan Product Advisor (LPA), Encompass and other major origination and underwriting systems preferred
Working knowledge of mortgage origination process, FNMA, FHA, VA, RD, and SAFE Act guidelines
Benefits
Award-Winning Company Culture
Employee volunteer opportunities
9 paid holidays
Generous paid time off policy
United Healthcare Benefits including medical, Delta Dental Benefits including dental and vision, life, and disability
Ancillary Benefits include: Mutual of Omaha, MetLaw Legal Plan, Pet Benefit Solutions
401k with discretionary match
Employee tenure program
President's Club eligibility for both Sales and Operations staff
Company
Homeowners Financial Group USA, LLC
Our clients, our teammates, and our communities have been the pillars of Homeowners Financial Group since our founder and CEO, Bill Rogers, started the company in Arizona in 2004.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Bill Rogers
CEO & Founder
Brian Ruzycki
Chief Information Officer (CIO) / Chief Technology Officer (CTO)
Recent News
Arizona Daily Star
2025-06-22
Business Journals
2023-08-17
Company data provided by crunchbase