Sr. Mortgage Underwriter- Remote

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Posted 9 days ago United States $20k - 20k (US Dollars)
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Job Description

Have you thought about your post-pandemic job? States are starting to reopen and companies are asking employees to come back to the office.Are you more productive and less stressed working remote?Are you concerned what impact going back to the office will have on you?Do you have more disposable income because you're not commuting to an office?You might want to consider the opportunities with us!Evolve Mortgage Servicesis a leading provider of outsourced mortgage solutions with the company's roots going back over 25 years.Evolve's experience is unequaled in the industry and has helped hundreds of clients dramatically grow and scale their mortgage sector. At Evolve we work side by side with mortgage lenders, banks, and credit unions to help them close more mortgage loans and reduce overhead while remaining Adaptable, Reliable, Cohesive, and Seamless in those efforts.We are seeking experienced Sr.Underwriters to join our team as full-time employees. This position is fully remote and open to those residing within the United States. We have a position available in ourDue Diligence/QC Underwriting Department.Work with a firm with more than 20 years of Remote Underwriting experience,whereour team comes first. Here at Evolve Mortgage, we have strived to build a work environment that we proudly believe isThe Best In Mortgage Underwriting.The owners, directors, and managers of Evolve want our underwriters to be happy, and to have long-term careers with the company.About EvolveEvolve Mortgage Services was started in the first financial crisis in the late '90s. We also made lemonade out of the lemons in the last financial crisis and came out stronger than ever. We expect no less here in the COVID-19 era and are already growing because of our model, helping the industry to manage this crisis. We are and have been for more than a decade, a 100% remote company, allowing our employees to work from their home offices. This is not new to us. Studies have shown that our model can save an individual approximately $20,000 annually when all the benefits of remote are added up versus getting dressed and driving into an office. Our compensation plans are designed to allow you to manage your own level of compensation and have your work revolve around your life, not the other way around. We look forward to you joining our Family!Job Summary: Underwriter is responsible for underwriting residential loans ensuring compliance with corporate and secondary market investor standards. underwriter is responsible for examining loan documentation for accuracy and completeness, rendering decisions and subsequent clearing of conditions to ensure credit guidelines are met.Essential Job Duties and Responsibilities:Perform underwriting of conventional Jumbo, Non agency and Business Purpose (DSCR) mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet agency and/or Client underwriting guidelinesidentifying any additional conditions as needed to insure a viable credit decision including the ability to repay testingAnalyze borrower's credit profile, collateral and capacity to repay the proposed mortgage obligationReview property appraisalAccurately calculate borrower's income and debt-to-income ratios based on acceptable agency and company practicesEffectively communicate all lending decisions to appropriate parties as defined by companyDevelop and maintain knowledge of multiple loan product guidelinesReview conditions submitted on loans and sign off on conditions where appropriateProvide quality control responses in a timely manner.Qualifications, Skills and EducationProficient in underwriting of agency and non agency loan collateral.High attention to detailPrioritizing workload with ability to multitask in a high-volume environmentAbility to contribute and work in a team environmentProficiency underwriting engines, imaging and other systemsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/ or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Preferred Skills:Technology savvy, with the ability to work in varied systemsProficiency with mortgage underwritingExperience in on-line training toolsExperience in third party reviews for securitizationWork Environment: Remote work environment. Mortgage Services is an Equal Opportunity Employer