Mortgage Specialist

About the job

Role Overview: The Mortgage Specialist position is critical in ensuring the integrity of mortgage loans. Key responsibilities include maintaining knowledge of US Mortgage Originations, closing procedures, federal and state lending laws. Core skills required are a good working knowledge of the 4C's of underwriting, experience in end-to-end underwriting of Conventional loans, strong understanding of Desktop Underwriter (DU) and Loan Prospector (LP), sound knowledge of Fannie Mae & Freddie Mac Guidelines. A crucial aspect is interpreting state rules, statute laws, federal regulations & investor guidelines and applying them to specific loans. Review loan files for compliance with all regulatory and client's guidelines/overlays, analyze income & employment, credit strength, capacity to repay, property appraisal, title report; calculate and analyze LTV/CLTV/HCLTV/DTI/HTI, check all other information relevant to the credit decision process on each mortgage application. Critical thinking skills are necessary to identify red flags and make informed decisions on loan approvals or denials. Benefits: • Excellent career growth opportunities • Flexible work environment • Ongoing training and development programs This role requires a detail-oriented individual who can effectively communicate complex information and provide top-notch customer service.

Requirements

• Mortgage Underwriting
• Regulatory Compliance
• Critical Thinking
• Customer Service

Preferred Technologies

• Mortgage Underwriting
• Regulatory Compliance
• Critical Thinking
• Customer Service

Benefits

• Career Growth Opportunities
• Flexible Work Environment
• Ongoing Training and Development Programs