承销员II
Underwriter II
职位名称：
抵押贷款承销员 II
工作地点：
亚利桑那州远程办公
你将负责：
作为抵押贷款承销员 II，你需要对机构常规贷款进行承销，通过审查贷款文件的信用、偿债能力和抵押品特征，确保符合公司和投资者的质量标准。此外，你需要根据现行指南和叠加条款，审查并解决常规贷款和政府贷款的承销条件。
- 每日管理个人贷款流程，按规定的处理时间完成承销审查、评估审查和条件审查。
- 识别任何文件不足之处，添加适用的条件，并在需要时向客户请求额外信息和/或文件。按照既定流程与客户联系，提供贷款中发现的未决条件和不足之处的更新和澄清。
- 在贷款发起和承销系统中以质量保证的方式验证关键借款人数据，包括收入、资产、信用和居住情况。
- 协助部门内其他人解读承销指南，并向客户更新承销状态和条件。在审查贷款时独立研究指南和叠加条款。
你需要具备：
- 5年以上抵押贷款行业相关经验，或在住宅抵押贷款承销或其他相关领域的工作经验。
- 需要高中文凭。
- 对对应或零售贷款中的住宅抵押贷款行业有中级到高级的知识，包括销售、运营和其他住宅抵押贷款产品和服务。
- 对适用的监管和法律合规义务、规则和法规、行业标准和实践有中级到高级的知识。
- 对 FNMA、FHLMC、FHA、VA 和 USDA 指南有中级知识。
- 对 MS Office 产品有入门到中级知识。
- 对 Encompass 有入门到中级知识。
- 具备高级的口语和书面沟通能力。
你将享受的福利：
我们提供您想要的所有重要福利——如具有竞争力的薪资、公司股份、医疗和牙科保险、带薪假期、优秀的 401k 匹配计划、学费资助计划、员工志愿者计划和健康计划。此外，您还将有机会提升您的商业知识，了解成功公司是如何运作的。
查看英文原文
Job Title:
Underwriter IILocation:
AZ RemoteWhat you'll do:
As a Mortgage Underwriter II you'll be accountable for underwriting Agency Conventional loans by reviewing the credit, capacity and collateral characteristics of loan files to ensure it meets company and investor quality standards. Additionally, you'll be accountable for reviewing and clearing underwriting conditions on Conventional and Government loans in compliance with current guidelines and overlays.
· Manage individual pipeline on a daily basis by completing Underwriting Reviews, appraisal reviews and conditions reviews within defined turn times as applicable.
- Identify any document deficiencies, add applicable conditions, and request additional information and/or documentation from customers as needed. Contact customers to provide updates and clarification on outstanding conditions and deficiencies identified on loans per established process.
- Validate critical borrower data components such as, income, assets, credit, and occupancy within loan origination and underwriting systems in a quality assurance capacity.
- Assist others in the department in interpreting underwriting guidelines and updating underwriting status and conditions to customers. Perform independent research of guidelines and overlays while reviewing loans.
What you'll need:
- 5+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field.
- High school diploma required.
- Intermediate to advanced knowledge of residential mortgage industry in Correspondent or Retail Lending; including sales, operations, and/or other residential mortgage products and services.
- Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
- Intermediate knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines.
- Entry level to intermediate knowledge of MS Office products.
- Entry level to intermediate knowledge of Encompass.
- Advanced speaking and writing communication skills.
Benefits you’ll love:
We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!
About the company:
AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC.
Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.
©Western Alliance Bancorporation
Originally posted on Himalayas