National Operations Underwriting Specialist

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🕒 March 26

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Union Home Mortgage Corp.

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1970

🏦 Banking

🏠 Real Estate

💸 Finance

Banking • Real Estate • Finance

<Union Home Mortgage Corp. > is a U. S. -based mortgage lender and loan servicer that offers home purchase and refinancing loan products including conventional, FHA, VA, USDA, rehab, and new-construction loans. The company provides tools and resources such as mortgage and refinance calculators, a loan officer network, and homeowner insurance options, and emphasizes equal housing opportunity, community engagement, and an employee-focused culture. Headquartered in Strongsville, Ohio, Union Home Mortgage also promotes careers, benefits, and a foundation for community support.

📋 Description

• 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

🎯 Requirements

• 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)

🏖️ Benefits

• 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