Deskripsi Pekerjaan
NightOwl Convenience is seeking a detail-oriented US Mortgage Underwriter to join our dynamic finance team. In this pivotal role, you will assess loan applications to evaluate risk, ensuring full compliance with US lending regulations and determining applicants' creditworthiness. We are looking for a proactive professional who can navigate complex financial data and make sound underwriting decisions that protect both our company and our clients.
As a key member of our underwriting team, you will be responsible for reviewing financial documents, analyzing credit reports, and verifying property valuations. You will ensure that all loan packages meet strict agency guidelines and regulatory standards. This is an excellent opportunity for a dedicated underwriter to contribute to a high-volume lending process while enjoying the flexibility of a remote-first environment.
Tanggung Jawab
- Analyze loan applications, credit reports, and financial statements to determine borrower risk.
- Evaluate loan-to-value (LTV) ratios and debt-to-income (DTI) ratios against underwriting guidelines.
- Ensure compliance with federal and state regulations, including TRID and CFPB rules.
- Review and verify appraisal reports and property documentation for accuracy.
- Communicate underwriting decisions and conditions clearly to loan officers and processors.
- Maintain accurate and organized loan files, ensuring all documentation is complete.
- Identify potential red flags and mitigate risks associated with complex loan scenarios.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- NMLS license (or eligible to obtain) required for US mortgage underwriting.
- 3+ years of experience underwriting US residential mortgage loans.
- Strong working knowledge of Fannie Mae, Freddie Mac, and FHA guidelines.
- Proficiency in loan origination software (e.g., Encompass, Calyx Pointe).
- Exceptional analytical skills with a keen attention to detail.
- Ability to work independently and meet tight deadlines in a fast-paced setting.