损失缓解，承保人
Loss Mitigation, Underwriter l
加入我们出色的团队，远程在家工作！
损失缓解承销员 I 负责根据财政部、公司和投资者的指南，对贷款修改申请进行承销，同时在一般监督下遵循公司的政策和程序。做出合理的承销决策，并确保所有决策符合法律和政策要求。按照公司的政策和程序、公司在运营的所有美国州和联邦法律和法规执行所有职责。损失缓解承销员 I 是该职位系列中的入门级职位，通常处理最简单的承销文件，同时获得更复杂文件的更多知识和经验。此职位的薪资范围为每小时 23.00 至 26.00 美元。
你将负责：
- 进行全面分析，确保每笔贷款的质量，并确定是否符合财政部、公司和投资者的指南。
- 进行收入验证（VOI）。
- 计算客户的前、后端债务收入比。
- 验证居住情况、困难状况和收入。
- 应用付款瀑布流程以确定重组资格（还款计划、延期、修改或清算选项）。
- 如果适用，识别借款人持有的资产类型和金额。
- 确定并沟通需要的条件以正确记录文件（违约原因信、更新的工资单、破产文件等）。
- 按要求完成系统任务，以保持符合财政部、公司和投资者的指南。
- 记录最终决定并更新记录系统。
你需要具备：
- 需要高中文凭或同等学历。
- 需要有 1 至 2 年的损失缓解承销经验。
我们的公司：
Carrington Mortgage Services 是 Carrington Companies 的一部分，Carrington Companies 为借款人和投资者提供集成的、全生命周期的房贷服务支持，提供卓越的客户服务和帮助借款人及其购房体验的项目。我们希望你能考虑加入我们不断壮大的由独特才华的专业人士组成的团队，共同推动住宅房地产的变革。如需了解更多，请访问：。
我们提供的福利：
- 为本人及家人提供全面的医疗保障计划。此外，还提供 50% 的 401(k) 递延匹配，即员工缴纳的前 4% 工资的 50%。
- 通过我们的员工门户可享受多种健身、餐饮、零售（更多）折扣。
查看英文原文
Come join our amazing team and work remote from home!
The Loss Mitigation Underwriter l will be responsible for underwriting Loan Modifications applications in accordance with Treasury, Company and Investor guidelines while following company’s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The Loss Mitigation Underwriter I level is the entry level role in the job family and generally handles the least complex underwriting files while gaining additional knowledge and experience on the more complex files. The target pay range for this position is $23.00 - $26.00 per hour.
What you’ll do:
- Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines.
- Conduct Verification of Income (VOI).
- Calculate customer’s front and back-end debt to income ratio.
- Verify occupancy, hardship and income.
- Apply payment waterfall to determine workout eligibility (repayment plan, forbearance, modification or liquidation options).
- If applicable, identify the type(s) and amounts of liquid assets the borrower holds.
- Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.).
- Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines.
- Document final decision and update system of record.
What you’ll need:
- High school diploma or equivalent required.
- 1 to 2 years of underwriting loss mitigation experience required
Our Company:
Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: .
What We Offer:
- Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
- Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
- Customized training programs to help you advance your career.
- Employee referral bonuses so you’ll get the opportunity to work with friends (and get some extra cash in your pocket!).
- Educational Reimbursement.
- Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.
#Carrington
Originally posted on Himalayas