Job Functions:

1. Special emphasis on fraud review and early payment defaults.
2. Review loan application packages for completeness and accuracy.
3. Confirm application information (1003) against other documents within the file: to validate employment, verifications, income, assets, etc.  Identify underwriting/data discrepancies and other diligence issues.
4. Verify and validate income, assets and liability documentation to support underwriting decision.  Calculate and verify income structure (employment verification, tax returns, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc).
5. Review loans for compliance related items, i.e. TILA, ROR, and miscellaneous disclosures. 
6. Review and verify credit report (FICO pay history, debt validation).
7. Review other real estate owned (i.e., disposition of property, rental income).
8. Review appraisals to support value, determine flipping, comps are reasonable, etc.
9. Familiar with fraud red flags and outside services used to determine or verify fraud.

Requirements:

1. At least three (recent) years of underwriting experience with strong emphasis on fraud investigation and forensic reviews. 
2. Interpretation and application of lending documentation, credit reports and income/assets calculations.
3. Knowledge of the principles and regulations applicable to mortgage lending.
4. Understand tools and terminology relative to the appraisal process sufficient to perform collateral reviews.
5. Knowledge of scratch & dent, non-performing, and/or sub-prime loans is required 
6. Possess ability to perform standard credit and income analysis.
7. Strong written and verbal skills.
8. Alt+A, Subprime, B/C Paper, and HELOC experience required
9. College degree/training in finance/mortgage banking helpful.
10. Available for work immediately, and ability to maintain a flexible schedule.
11. Excellent PC skills and possess a high level of proficiency in Microsoft Office applications to include Excel, and Word
12. Demonstrate ability to work well with customers and clients
13. Demonstrate professional behavior and teamwork, punctual, dependable and adheres to company policies and procedures

**Please only apply for this position if you are interested in working in our Fort Lauderdale Office and are within commutable distance.  We are actively interviewing for this position.

We value diversity and encourage all qualified individuals to apply!

Please submit resume to:                     

Opus CMC                                          

Jerri Cech                                         

N56 W24879 North Corporate Circle #200                            

Sussex  WI  53089

Preferred Method of Resume Submission:

Email:  jerri.cech@opuscmc.com
www.opuscmc.com

Twitter  (@OPUSCMC)