National Operations Underwriting Specialist

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Union Home Mortgage Corp.

WebsiteLinkedInAlle Stellen

1001 - 5000 Mitarbeiter

Gegründet 1970

🏦 Bankwesen

🏠 Immobilien

💸 Finanzen

Banking • Real Estate • Finance

<Union Home Mortgage Corp. > ist ein in den USA ansässiger Hypothekengeber und Darlehensdienstleister, der Produkte für den Hauskauf und die Refinanzierung anbietet, darunter konventionelle, FHA-, VA-, USDA-, Sanierungs- und Neubaukredite. Das Unternehmen stellt Werkzeuge und Ressourcen wie Hypotheken- und Refinanzierungsrechner, ein Netzwerk von Darlehensberatern und Optionen für Wohngebäudeversicherungen zur Verfügung und legt Wert auf Chancengleichheit beim Wohnen, gesellschaftliches Engagement und eine mitarbeiterorientierte Kultur. Der Hauptsitz befindet sich in Strongsville, Ohio, und die Union Home Mortgage fördert zudem Karrieren, Leistungen und eine Stiftung zur Unterstützung der Gemeinschaft.

Beschreibung

• Responsible for providing a complex level of support to the National Operations Team and company lending activities for all areas of lending operations • Trouble shoot questions and issues presented by company personnel, external investors/GSE’s, vendor partners, third party audits, etc. • Daily review of internal service requests pertaining to underwriting related issues • Monitor VA appraisals in the VA LGY portal and FEMA updates in AllRegs • Review post-closing issues including resubmissions for LPA • Possess a thorough understanding of loan programs/guidelines and lending requirements • Provide consultation regarding viable loan alternatives • Evaluate complex loan scenarios, loan applications, inspection, and financial reports to assess financial risk, including potential fraud • Provide corporate review/signature on loans exceeding $1,000,000 • Review exception requests • Review Post Close Quality Control findings as well as Repurchase Findings and resolve with additional documentation and/or explanation of decision made. • Work with training to develop trending, and training to mediate findings • Work with Operations Support to fix any system issues causing continued findings. • Work with Operations Support to develop policy in relation to continued findings. • Review closed loan files and prepare responses to investor and agency audits • Create job aids, procedure manuals, and/or worksheets for various operations and underwriting functions in order to improve workflow • Perform control testing on declined loans when assigned by compliance • Provide ideas and feedback in the creation of corporate policies and procedures • Complete special projects • Other duties and/or mortgage related tasks as assigned by management

🎯 Anforderungen

• High School Diploma or equivalent required • Minimum of 5 years mortgage industry experience required • Underwriting experience required, FHA DE and VA LAPP/SAR certifications preferred • Knowledge of FNMA, FHLMC, FHA, VA, and USDA guidelines • Able to read and interpret documents such as promissory notes, regulatory and legal directives, and other industry related documents • Able to interpret an extensive variety of technical instructions • Able to apply basic math: compute loan amounts, income, and other mortgage related calculations • Basic computer skills required: word processing, Excel spreadsheets, email, and mortgage software, including in depth knowledge of Automated Underwriting Systems (AUS) - Fannie Mae Desktop Underwriter ®(DU®) and Freddie Mac Loan Product Advisor (LPA)

🏖️ Vorteile

• A full benefits package including medical, dental, vision, 401k, pet insurance and PTO • Discounted home loans for employees and their family members • HSA and FSA plans • Professional opportunities for upward mobility, training, and personal development