Keller Mortgage (an affiliate of Keller Williams Realty) is one of the country's fastest growing mortgage companies in the country! We employ over 1000 employees, and we are licensed to operate in 49 States (soon to be all 50). In 2019, per Scotsman Guide, we were the 47th largest Mortgage Lender in the United States, with a loan volume of over $2.9 billion. In 2020, we placed 70 of our Loan Officers (over 55%) onto Scotsman's Guide list of Top Originators (based on volume); and closed over $5.7 billion in loans. Every member of the Keller Williams leadership team is responsible for leading and modeling diverse, equitable, and inclusive practices in the workplace relative to hiring, promoting, paying, and managing people. Leaders are expected to treat all people with civility, respect and dignity and demonstrate the ten core values that form our belief system.Keller Mortgage has increased starting salaries for Mortgage Underwriters with at least four years of Frontline Underwriting experience! We will offer an initial base salary of $95,000/year plus bonuses! Our FHA and VA programs are expanding, and we are actively seeking underwriters who are willing to get certified. Your base salary will increase as you earn additional certifications and delegations! Keller Mortgage has experienced tremendous growth, and with a long-term growth plan in place, we are expecting to add another 500 employees overall in the next 12 months. Want to be a part of something special? Ask us how you can join the Keller Mortgage family!Mortgage Underwriter requires the exercise of discretion and judgment with respect to the approval and denial of loan applications and the provision of credit loans to our customers. Responsibilities include, but are not limited to:ResponsibilitiesIndependently analyze loan files to ensure adherence to: Regulations and legal standards governing mortgage lending. Loan programs and guidelines, including superior knowledge of conventional, conforming, non-conforming, and government programs and guidelines.Make independent decisions regarding acceptability of loan files and approval/denial of loan applicationsCritically analyze loan files to ensure that information is compliant with lending guidelines and legal standards, including "red flags", suspicious activity standards, and ethical lending standardsApplication of program requirements, lending guidelines, regulations and appropriate credit policies to loan files in order to approve or deny credit or advise senior managementWork with loan originators and production staff to acquire required documents in order to verify the income and employment details of the applicant, review the applicant's credit profile, analyze financial statements, and consider other information in order to act on loan and credit requestsExamine loan documentation for accuracy and completeness and determine whether additional information may be required in order to make a credit decisionExamine and analyze assets, liabilities, income and debt information related to applicants, in order to make a credit decisionEvaluate and review appraisal reports and collateral issues related to real estate in order to determine whether it may properly support the approval of a loan application the loanMortgage Underwriter will exhibit superior decision-making skills that are supported by relevant details and researchCompare automated underwriting to specific loan-file criteria in order to determine whether waiver or deviation from suggested guidelines may be appropriate. Exercise sound discretion in such a review in order to arrive at final decision or recommendationUtilize automated underwriting systems such as Desktop Underwriter and Loan Prospector in order to assist in the execution of the duties and responsibilities of the roleMay provide training and direction to team members in order to assure clear understanding of compliance and lending guidelines, particularly with those intending to eventually serve in an Underwriter rolePossess the authority to withdraw and decline loans. May develop and recommend modifications to underwriting and production procedures if the need exists or circumstances changePrompt and exhaustive communication (via phone, email or fax) with various parties throughout the processMay respond to individual and investor auditsMortgage Underwriter will have other duties as requiredThis position is 100% Remote QualificationsFour or more years of experience as a Mortgage UnderwriterDemonstrated knowledge of mortgage lending regulations and proceduresDemonstrated knowledge of underwriting guidelines and loan documentsFunctional efficiency utilizing the DU and LP applications; preferred candidates will have experience with the DE and LP applications, as well as in-depth knowledge of Fannie Mae, FHA, VA, USDA guidelinesDemonstrated ability to communicate, both verbally and in writing, to fellow employees, customers and external vendors in a professional, articulate and respectful manner throughout the entire loan processDemonstrated ability to handle delicate situations with diplomacy and tactProven organizational, prioritization and time management skillsProven experience meeting deadlines, while producing error-free workProven strong customer service skillsStrong analytical and auditing skills; along with a firm grasp of mathematical conceptsA passion and desire to continuously improve their style and work productivityStrong technical skills and ability to work in a paperless environmentEncompass software experience preferredHigh school diploma or Bachelor's degree in finance, accounting or related field is preferred.#zip>Keller Mortgage is committed to creating a diverse environment and is proud to be an Equal Opportunity Employer. Keller Mortgage recruits, employs, trains, compensates and promotes regardless of race, religion, color, national origin, gender, gender identity or expression, sexual orientation, national origin, genetics disability, age, veteran status, or other protected status as required by applicable law. All qualified applicants will receive consideration for employment.