Senior Underwriter

<table id="public_fields"> <tbody> <tr class="info-row"> <td class="info-cell">&nbsp;</td> </tr> <tr class="info-row"> <td class="info-cell"> <div data-react-class="JobInfo.LabelWithTooltip" data-react-props="{&quot;labelTextKey&quot;:&quot;edit_job_info.how_to_sell.label&quot;,&quot;tooltipKey&quot;:&quot;edit_job_info.how_to_sell.tooltips&quot;}"> <p><strong>General Summary&nbsp;&nbsp;</strong></p> <p>The Senior Underwriter reviews and underwrites mortgage files, inclusive of FHA, VA, USDA, Jumbo and conventional loans, to underwriting<br>guidelines and will identify, analyze, and balance transactional, borrower, and property-related risks and offsets to arrive at a decision. The Senior<br>Underwriter will be assigned an approved credit authority based on designations and will review loans within their credit authority. The Senior<br>Underwriter also assists other team members providing consistency in credit quality and decisions, process flow, customer service and risk control<br>as well as timely and accurate decisions to help meet production goals and perform within department audit standards.</p> <p><strong>Duties and Responsibilities&nbsp;&nbsp;</strong></p> <p>The primary job duties and responsibilities of this position include but are not limited to:&nbsp;&nbsp;</p> <ul> <li>Prioritize, receive &amp; review loan file packages for accuracy and completeness, according to the guidelines established by the Envoy, Fannie Mae, Investors, and Federal/State Regulations within 48 hours of receipt or the current posted SLA for the applicable transaction</li> <li>Review all documentation submitted as part of the mortgage application process to validate completeness and accuracy</li> <li>Advise origination staff on underwriting questions and loan salability, and work to achieve closing deadlines</li> <li>Examine and analyze borrower employment information, credit strength, property characteristics, assets, liabilities, income and debt and other information pertinent to the credit decision, on each mortgage application</li> <li>Evaluate and review appraisal reports and collateral issues related to the subject property to determine property meets required guidelines</li> <li>Upload and file applicable documents into Imaging system</li> <li>Order mortgage insurance; all required fraud guard tools</li> <li>Recalculate &amp; re-verify supporting documentation and complete audit checklists before submitting for UW 2nd level review, as applicable</li> <li>Advise if any underwriting problems and recommend corrective action to loan production personnel impacting Pre-App