Sente Mortgage is growing! We are currently seeking a highly motivated, detail-oriented Senior Underwriter with a passion for helping people become homeowners. This position will provide field support for Sente’s mortgage platform in areas of loan scenarios and underwriting support as well as underwriting of loan files.
Position Responsibilities
- Serve as a direct liaison for underwriting support questions.
- Work as part of the field support team to provide resources to the field.
- Foster strong partnership with various other teams.
- Underwrite conventional, USDA, VA and FHA loans daily to a high level.
- Successfully interact with underwriting and loan processing to improve accuracies and efficiencies.
- Handle special projects as assigned.
- Review and respond to any audit items that may arise and take action to cure any defects.
- Perform other related work and duties as assigned.
- Maintain and demonstrate proficiency with loan software applications.
Knowledge, Skills & Abilities
- Communication Skills – Excellent ability to communicate underwriting decisions, philosophy, and guidelines. Comfortable reaching out to managers in the field.
- Solution-oriented – Ability to propose solutions to complex loans
- Problem Solving – Identifies and resolves problems in a timely manner; Work with various resources to find solutions and alternative documentation needs for loan files.
- Professional Development – Strives to continuously build knowledge and skills, shares expertise with others.
- Risk Assessment - Ability to analyze loan transactions to determine company risk in loan decisions.
- Teamwork – Balances team and individual responsibilities, gives and welcomes feedback, contributes to building a positive team spirit. Demonstrated ability to digest complex issues and develop creative solutions. Excels at collaborating with others, at all levels, to ensure organizational goals are attained.
- Highly organized and able to prioritize.
- Detail-oriented with strong data analysis skills.
Education & Experience
- High school diploma or GED equivalent required.
- Some college background strongly preferred, business or related degree is a plus.
- Strong written and verbal communication skills working in a fast-paced environment.
- Deliver 5-Star experience to our internal customers.
- Prior conventional underwriting authority and FHA CHUMS required. VA LAPP and VA SAR preferred.
- 4+ years underwriting experience preferred.
- 3+ years underwriting FHA manual loan products.
- Prior knowledge of underwriting USDA and VA manual loan products.
- Prior underwriting experience with DPA loans.
- Detailed knowledge of lending products.
- Flexible and adaptable to business needs with a positive attitude.
- Experience reviewing product and program guidelines to assist with specific loan scenarios.
- Computer Skills – To perform this job successfully, an individual should have a strong knowledge of PC skills including Microsoft products
- Prefer working knowledge of Encompass.
Note: This job description is intended to provide a general overview of the position. It is not an exhaustive list of all responsibilities, qualifications, or working conditions associated with the role.
Job Type: Full-time
Pay: $75,000.00 - $95,000.00 per year
Benefits:
- 401(k)
- Dental insurance
- Employee assistance program
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Vision insurance
Schedule:
Application Question(s):
- Do you have a minimum of 4 years of recent mortgage underwriting experience?
- Do you have your CHUMS number with FHA?
- Do you have 3 years of recent underwriting FHA, USDA and Conventional appraisal?
- Do you have 3 years of recent manual underwriting experience for government loans?
Work Location: Remote