Remote Junior Mortgage Underwriter

Position Overview

Remote Junior Mortgage Underwriter position withCompensation:Based on Experience ($70000 - $75000 per year), located in Grand Rapids, MI, Remote, and Permanent. High Paying Salary,Excellent Benefits, Amazing Bonus, Sign on bonus and MORE! If you are an experienced remote Conventional Mortgage Underwriter, please keep reading!

Key Responsibilities

• Review mortgage loan applications and render decisions within internal and regulatory guidelines.
• Determine the adequacy of income to meet expected financial obligations.
• Ensure potential borrower assets meet closing requirements and are derived from acceptable sources.
• Examine borrower credit, investigate derogatory credit, and assess credit history.
• Review appraisals, documentation, and comparables; set conditions for property inspections if needed.
• Evaluate and assess the collateral and capacity of mortgage loans.
• Approve or reject loan applications or request additional information, documenting reasons per guidelines.
• Complete underwriting functions in accordance with program requirements, company standards, and legal/regulatory guidelines.
• Maintain up-to-date knowledge of underwriting requirements and investor/governmental guidelines.
• Confirm that documentation, reports, and files are complete and accurate.
• Certify that all lending conditions are satisfactorily met prior to closing.
• Keep management informed of significant issues and suggest improvements to underwriting policies and procedures.
• Perform other job-related duties as assigned.

Required Qualifications

• Minimum of 2 years residential underwriting experience.
• Full understanding of conventional underwriting requirements.
• Working knowledge of financial statements, credit reports, tax returns, and appraisals.
• Knowledge of lending programs, policies, procedures, and standards.
• Possesses sound judgement.
• Excellent verbal and written communication skills.
• Strong decision-making and analytical skills.
• Accountability and organizational skills.
• Solid time management skills to set priorities and meet deadlines.
• High attention to detail.
• Proficiency in Microsoft Excel, Outlook, and general PC applications.
• Familiarity with 10-key and word processing skills.

Benefits & Perks

• Work life balance
• Room for growth
• Benefit-rich health benefits
• Employer paid short-term disability
• Employer paid long-term disability
• Employer paid Life Insurance
• Voluntary Life offered
• 100% Employer paid Vision
• Dental – No deductible, preventative 100% covered
• Optional FSA (Flexible Spending Account) available