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UnderwriterHomeXpress Mortgage Corp • Tampa, FL, United States
Underwriter

Underwriter

HomeXpress Mortgage Corp • Tampa, FL, United States
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Company Description

HomeXpress - Your Leading Non-QM Mortgage Lender

Join our growing team and be part of the Top Non-QM Lender in the Business

We are known for closing mortgage loans with Speed, Ease, and Convenience

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, FNMA, & FHLMC

HomeX also has a great company culture, tremendous growth opportunities, and competitive employee benefits

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES :

  • Clear conditions, including but not limited to credit and title conditions
  • Prep loan files for review by an Underwriter to determine eligibility within HomeXpress' guidelines
  • Assisting Underwriters as needed to move pipeline in a forward trajectory
  • Verify completeness of credit file
  • Calculate income
  • Confirm qualified Change of Circumstances and reprice loans as needed
  • Run reports and interact with various third-party vendors

Job Functions :

  • Capable of underwriting a minimum of 3-4 new loans per day.
  • Review conditions in a timely manner to remain in compliance with posted turn times.
  • Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
  • Review Income documentation and calculate income per investor and company guidelines.
  • Review Assets to determine reserves and cash to close per investor and company guidelines.

    • Required Knowledge :

  • Conforming and Non-QM Underwriting Guidelines
  • Strong verbal & written communications skills
  • Strong problem solving skills
  • Excellent interpersonal, customer service and organizational skills
  • High level math aptitude
  • Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.
  • Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow / title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
  • Superior knowledge of personal computers and applicable software.

    • Job Type : Full-time

    Pay : $70,000.00 - $80,000.00 per year

    Benefits :

  • 401(k) matching
  • Dental insurance
  • Health insurance
  • Paid time off
  • Vision insurance

    • Schedule :

  • Monday to Friday

    • Experience :

  • Wholesale Underwriting : 1 year (Required)
  • Non-QM : 2 years (Required)

    • Work Location : In person

    Qualifications

    Additional Information

    All your information will be kept confidential according to EEO guidelines.

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