Government Underwriter

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Requirements:

• At least 2 years of recent experience as a DE and SAR Underwriter.
• A minimum of 2 years of expertise in FHA and VA lending.
• Thorough understanding of current FHA and VA guidelines.
• Familiarity with federal and state regulations like TRID, ECOA, Fair Lending, etc.
• Proficient knowledge of DU/LP/TOTAL Scorecards.
• Excellent communication skills with effective engagement ability with brokers.
• Preference for candidates with 6 months of experience in USDA/RD, though not mandatory.

Responsibilities:

• Review credit documents in accordance to JMAC, FHA, and VA guidelines.
• Review borrower’s income and assets in accordance to JMAC, FHA, and VA guidelines.
• Review subject property title and appraisal in accordance to JMAC, FHA, and VA guidelines.
• Make independent loan decisions (Approve or Decline).
• Sign off on conditions.
• Verify the consistency of information throughout the file.
• Utilize various platforms to complete, correct, or verify documents.
• Complete assigned files within established turn times.
• Maintain communication and customer service with file contacts throughout the loan process.
• Perform other assigned duties as needed.