Mortgage Underwriter
C
Capital Bank, N.A.Mortgage Banking
Remote USAFull-TimeMiddle
Salary80,000 - 105,000 USD per year
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Job Details
- Experience
- Minimum of five years of experience underwriting agency mortgage loans; minimum of five years of experience underwriting secondary market guidelines; minimum of two years of experience with Jumbo and Non-Agency products
Requirements
- High School Diploma or equivalent
- Minimum 5 years of experience underwriting agency mortgage loans
- Minimum 5 years of experience underwriting secondary market guidelines
- Minimum 2 years of experience with Jumbo and Non-Agency products
- FHA Direct Endorsement (CHUMS) designation
- VA SAR/LAPP designation
- Housing Finance Agency experience (DC, DE, FL, VA, MD preferred)
- Proficiency with Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor
- Advanced income analysis, including complex self-employed and variable income scenarios
- Credit risk analysis and interpretation
Responsibilities
- Underwrite a minimum of three new loan files per day
- Review, analyze, and clear updated and conditioned loan files within required turn times
- Maintain CBHL-mandated turn times for new submissions, resubmissions, and condition reviews
- Monitor and respond to CSM scenarios within required timeframes
- Underwrite FHA, VA, USDA, Conventional, Non-Agency, and Jumbo loan products
- Perform new and established condominium project reviews
- Analyze loan documentation and data for accuracy and soundness
- Identify and assess credit, income, asset, and collateral risk factors
- Review appraisals and collateral documentation
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