DE/SAR Underwriter
PHH Mortgage


Job Info


Job Description

The Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.

Job Functions and Responsibilities:

  • To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Examples below:
  • Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors
  • Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor, company, and FHA guidelines
  • Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.
  • Provides final approval underwriting of mortgage loans.
  • Completes all required paperwork and forms in a timely and accurate manner; prepares required forms
  • Sign off conditions in a timely manner set by management
  • Work with staff and management to find solutions on escalated loans
  • May be requested to make recommendations for improving Internal Audit’s policies and practices
  • Manage loans by using all functions of Encompass
  • Effectively communicate underwriting decisions with processors and advisors
  • Maintain high level of customer service and communication with other departments
  • Other duties as assigned
QUALIFICATIONS:

To perform this job successfully, an individual must have the following education and/or experience:
  • Two to four years related experience or equivalent, DE Underwriter required
  • Must have mortgage industry experience.
  • Thorough working knowledge of real estate documentation, policies, compliance, and procedures
  • High level of proficiency with mortgage loan processing and underwriting systems
  • Commitment to excellence and high standards
  • Excellent written and oral communication skills
  • Strong organizational, problem-solving, and analytical skills
  • Ability to manage priorities and workflow
  • Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm
  • Acute attention to detail
  • Proficient on computer programs required for position
  • Excellent customer service skills
  • Proven ability to handle multiple projects and meet deadlines
  • Good judgment with the ability to make timely and sound decisions
  • Ability to effectively present information and respond to questions
  • Bilingual skills a plus



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