Mortgage Underwriter

Northern Mortgage Grandville, MI
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To proactively grow with the Northern Mortgage Team ensuring all required documentation is received, investor/ agency guidelines are met. Issue final underwriting decision that is documented and supported with all loans in compliance with regulatory and company standards and requirements. Success in this position is demonstrated by working with and building a cohesive team environment personnel in the underwriting department but also all related areas to a smooth transaction.

Responsibilities:

· Adequately maintains loan files in a reviewed, orderly and professional manner to ensure no exceptions in loan review, regulatory audits, or purchase issues from investors.

· Communicates with Staff and Third-Party Lenders in order to obtain necessary details to complete loan underwriting review and decision in a timely manner.

· Thoroughly reviews borrower credit, income, assets and property to determine risk and evaluate borrower’s repayment ability in order to render a credit decision.

· Reviews Government loan requirements including but not limited to CAIVR authorization and clear LDP/GSA searches.

· Conducts and determines appropriate Fraud Prevention measures have been taken. Able to analyze fraud reports for relevance to loan decision.

· Organizes, validates, and compiles all loan application information and communicates decisions to appropriate parties both verbally and in writing while ensuring pipeline efficiencies.

· Assists with re-negotiations of loans based on lending guidelines.

· Assists in Special Projects and duties as assigned.

· Contributes to team effort by accomplishing additional tasks as needed.

· Works a flexible schedule to complete all job tasks within established timeframes.

Required Qualifications:

· 3+ years current experience in underwriting conventional and government loans.

· VA experienced preferred.
· DE Designation (Active Chums Number)

· Encompass experience is helpful.

· Must possess the proven ability to achieve high quality results.

Job Type: Full-time

Schedule:    Monday to Friday

Benefits:

  • 401(k) with match
  • Dental Insurance
  • Employee Assistance Program
  • Flexible schedule
  • Health Insurance
  • Paid time off
  • Vision Insurance

Northern Mortgage offers a friendly, family-like environment that values the communities in which we live and work.  We recognize our employees with many benefits and ongoing professional development and advancement opportunities.  We’re always looking for dependable professionals of all experience to help us continue our stable growth and ongoing success.

Northern Mortgage is an EEO employer - M/F/Vets/Disabled
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