Mortgage Underwriter Job at Imagine Staffing Technology, Amherst, NY

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  • Imagine Staffing Technology
  • Amherst, NY

Job Description

Job Description

Job Description

Job Profile

Job Title: Mortgage Underwriter

Location: Amherst, NY

Hire Type: Direct Hire

Pay Range: $75-$85K

Work Model: Onsite

Recruiter Contact: Amy Dugenske [email protected] 716-256-1289

Nature & Scope:

Positional Overview

Are you an experienced Mortgage Loan Underwriter seeking a direct hire opportunity where your expertise truly matters? Join our client’s dynamic team and play a critical role in re-underwriting previously closed mortgage loans. You'll conduct in-depth due diligence on representation and warranty review assignments, ensuring borrower creditworthiness, strict compliance with underwriting and closing guidelines, and property acceptability as collateral. If you're detail-oriented and thrive on delivering accuracy in high-stakes reviews, this is your chance to make an impact while advancing your career in a supportive, results-driven environment.

Role & Responsibility:

Tasks That Will Lead To Your Success

  • Complete predetermined testing associated with Representation and Warranties
  • Prepare written documentation regarding results on testing
  • Strong knowledge of residential mortgage underwriting; including income, asset, credit, and property underwriting; (consisting of recalculating income/assets, DTI, etc.)
  • Analyze complex self-employed tax returns and financial documents
  • Analyze and evaluate collateral through appraisals and other applicable evaluation tools
  • Review fraud detection results used in underwriting
  • Review and understand the Preliminary and Final Title Policy
  • Thorough review and understanding of the mortgage process flow from origination to closing
  • Strong knowledge of CFPB TRID QM/ATR and TILA rules and requirements
  • Experience with Compliance Ease and Compliance Analyzer
  • Assist in UAT testing of internal processing system updates
  • Assist in the review of new deal documents when requested
  • Maintain familiarity with mortgage industry regulations updates and underwriting guidelines
  • Potential support to the Commercial Mortgage-Backed Securities operating advisor engagements.

Skills & Experience

Qualifications That Will Help You Thrive

  • College Degree in business or related field
  • 5-7 years of experience in the residential mortgage industry
  • Minimum of 3-5 years of recent experience in mortgage underwriting
  • Experience with Commercial Mortgage loans in special servicing a plus
  • Knowledge of applicable industry tools such as Core Logic, Lexis/ Nexis, AM Best, National Appraisal Registry, PACER, ComplianceEase
  • Thorough understanding of mortgage lending, state and federal regulatory requirements including Reg Z, RESPA, Fair Lending, and TRID
  • Understanding of secondary market requirements and underwriting policies, and procedures within required areas
  • Experience with condominium and co-op reviews
  • Loan closing experience
  • Working knowledge of loan documentation requirements
  • Working knowledge of the Title review process
  • Experience with various mortgage products and loan programs
  • Experience working with numerous originators and lenders a plus
  • Experience with Conventional, Non-conventional, FHA, VA, and business purpose loans
  • Experience with quality control auditing is a plus

Job Tags

Self employment,

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