Underwriter

Previous experience as a loan underwriter or in a similar role, preferably with expertise in manufactured housing loans. Strong knowledge of underwriting guidelines, lending regulations, and compliance requirements specific to manufactured housing loans. Proficient in analyzing financial statements, credit reports, tax returns, and other relevant financial documents. Familiarity with loan origination software, mortgage underwriting systems, and document management platforms. Adaptable to multiple/new technology systems and process change. Learner mindset with ability to receive and implement feedback. Excellent attention to detail and ability to review and interpret complex loan documents accurately. Strong analytical and problem-solving skills. Effective communication skills. Ability to work independently in a fast-paced environment and prioritize workload. High ethical standards and commitment to maintaining confidentiality and data privacy.

Review loan applications and supporting documentation for manufactured housing loans. Assess the creditworthiness of borrowers by analyzing financial statements, tax returns, and employment history. Evaluate loan-to-value ratios, debt-to-income ratios, and other key financial indicators. Analyze manufactured housing market trends and property valuations. Ensure compliance with lending regulations, internal policies, and underwriting guidelines. Collaborate with loan officers, support staff, and processors. Conduct thorough risk assessments to identify potential red flags or fraudulent activities. Prepare loan underwriting summaries. Communicate lending decisions and provide clear explanations to stakeholders. Stay updated on industry best practices, regulatory changes, and market trends.