Junior Mortgage Underwriter

The Jr. Underwriter is responsible for evaluating a loan application for creditworthiness and determining if the loan is an acceptable risk for Ross Mortgage. The duty of the Jr. Underwriter is to review all documentation (Capacity, Credit, Cash, Collateral) to ensure that it meets investor guidelines for resale in the secondary market. The Underwriter will underwrite and clear all conditions for Conventional loans. A thorough knowledge of FNMA and FHLMC standards is required.

• Examine loan documentation to ensure accuracy, completeness, and compliance with Conventional standards
• Review assets, collateral, credit, income, etc.; ensure loans meet agency, company, and investor standards for sale into the secondary market
• Remain up to date on changes with agency guidelines and requirements
• Distribute Approval Notifications and Update Approval Status to the branches
• Ensure compliance with applicable federal, state, and local laws and regulations
• Maintain Purchase and Refinance turn times for initial and subsequent file reviews
• Communicate with the underwriting manager to advise of any underwriting issues with a solution -based approach
• Work with post-closing to resolve any funding delays
• Communicate with sales, loan partners, process and closer

• 2 to 4 years of mortgage underwriting in a retail or wholesale environment
• Detailed knowledge of FNMA/FHLMC products
• MBA certification preferred 
• Ability to work independently, must have strong time management and organizational skills
• Excellent customer service skills
• Always exhibit professional written and verbal communication
• Strong attention to detail, problem-solving, and resolution skills
• Able to maintain high productivity and quality
• Ability to demonstrate a high degree of business professional behaviors, including punctuality, attendance, responsiveness, and dependability
• Position has the potential to work from the corporate office or from home