Established in 1990, we are a full-service mortgage banking company which has advanced to become one of California’s leading lenders for 1-4 family residences. Licensed by the Department of Real Estate, we take pride in our “make sense” underwriting philosophy. We specialize in purchase money transactions and provide excellent programs, support, and training.

***UNDERWRITER (Mortgage Loans)***

 Position Summary:

 Responsible for the prudent underwriting of FHA and VA loans in accordance with HUD, company, and investor guidelines.

Qualifications:

·   Minimum 5-7 years residential mortgage underwriting experience required.

·   Sound working knowledge of FHA and VA underwriting guidelines.

·   Experience with DU and LP Automated Underwriting systems.

Certifications:

·   FHA Direct Endorsement necessary.

·   VA/SAR approval preferred.

Skills and Experience:

·   Detail oriented with excellent decision-making ability.

·   Able to define problems, collect data, establish, do independent research and draw conclusions.

·   Ability to interpret documents such as policy and procedure manuals.

·   Speak effectively to customers and/or employees of the organization.

·   Able to apply concepts of basic algebra and calculate figures and amounts such as discount points, interest calculations, and percentages.

·   Have knowledge of Database software systems, Internet software, and Word Processing software.

·   Ability to work effectively and accurately under specific time constraints.

Essential Duties and Responsibilities:

·   Review and evaluate information on mortgage loan documentation to determine borrower and property meets government loan standards.

·   Complete a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.

·   Evaluate the entire credit package and collateral for residential mortgage loans and ultimately ensure and “investment” quality loan product.

·   Recommend the loan disposition, for loan amounts in excess of authority limitation, to underwriting manager.

·   Communicate decision on loans to appropriate parties both verbally and in writing.

·   Be available to processors and loan officers for general guideline interpretations and questions on specific loan files.

·   Underwrite a minimum (3) loans per day.

Benefit Package Includes:

·   Medical Health Plans with HMO & PPO options

·   Dental & Vision Care Plans

·   Supplemental Benefits: Life Insurance, Short Term Disability, Accident & Cancer Plans

·   Paid Holidays, Vacation, Sick Days

·   401K Retirement Plan with company match

WE ARE AN EQUAL OPPORTUNITY EMPLOYER

QUALIFIED CANDIDATES MUST BE ABLE TO PASS A CREDIT CHECK