Underwriter

The QA - Underwriting position at our company is a Level 3 role that involves reviewing mortgage files submitted for underwriting. As an Underwriter, your main responsibilities will include assessing income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. You will also be responsible for data entry into the loan operating system, utilizing automated underwriting systems for approvals, and addressing conditions for Final Approval. The ideal candidate must demonstrate a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Key Responsibilities: - Conduct comprehensive reviews of mortgage loan files, covering income, assets, credit, and collateral - Ensure accurate data entry in the loan operating system - Underwrite loans in adherence to client guidelines, using AUS or manual guidelines - Verify the accuracy, completeness, and compliance of all loan documents - Identify and address any red flags or issues - Make loan decisions and set conditions accordingly - Review and approve conditions for loan file completion - Provide exceptional customer service to both internal and external clients - Stay updated on client and investor requirements - Resolve underwriting-related pre and post-closing matters - Assist Processors/Loan Officers in interpreting underwriting decisions and conditions - Handle high-stress situations while delivering top-notch customer service - Willingness to work beyond standard hours when required Requirements: - At least 2 years of current conventional mortgage loan underwriting experience - Proficient in income calculations, tax returns, credit report analysis, and red flag identification - Basic knowledge of appraisals and ability to spot red flags and ineligible properties - Familiarity with GSE underwriting guidelines and automated underwriting engines (DU/LP) - Strong analytical, interpersonal, and verbal/written communication skills - Detail-oriented with excellent time management abilities - Comfortable working in a dynamic, production-driven environment - Team player with the capability to work across multiple systems in a paperless setup - Willingness to operate in a high-security environment - NMLS-MLO Licensure preferred - Availability to work outside regular business hours as necessary If you are interested in this opportunity, please submit your resume to Elizebeth.Gullanki@mycloudxtreme.com. We look forward to hearing from qualified candidates who meet the specified requirements.,