Mortgage Loan Analyst – III

Job not on LinkedIn

🕒 June 16

🏰 Missouri – Remote

🏰 Missouri – Remote

💵 $125k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

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USA Mortgage

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💼 Consulting

🛡️ Insurance

💸 Finance

Consulting • Insurance • Finance

USA Mortgage is a leading mortgage banking institution and a subsidiary of DAS Acquisition Company, LLC. Founded in 2001, it is known as the 'Home of Possibility', providing a wide array of home financing solutions including conventional loans, FHA loans, VA loans, 203K rehab loans, reverse mortgages, and USDA financing. With a commitment to local lending excellence, USA Mortgage has consistently been recognized as a top residential lender in the St. Louis area, emphasizing personalized loan advisory services and extensive programs for first-time homebuyers and refinancing options.

📋 Description

• Process and Underwrite Conforming Conventional • FHA • VA • USDA and Jumbo Loans • Ensure loan files meet all company • investor • state • and federal guidelines by verifying documentation • analyzing risk • determining conditions • and issuing approval or denial decisions • Works collaboratively with internal partners to ensure quality loans • Strong customer service • and adherence to productivity and quality control standards • Organize • compile • verify • and analyze mortgage loan files • Determine loan eligibility • conditions • approvals • or denials in compliance with guidelines • Communicate decisions clearly and meet departmental productivity and quality standards • Review residential loan applications for completeness • accuracy • and compliance • Calculate income • check for garnishments • review assets for large deposits • gifts • loans not on the credit report • Review appraisal to ensure accuracy and completeness • Contact borrower for any additional information required

🎯 Requirements

• Broad understanding of residential mortgage loans • Familiarity with mortgage loan products • Clear understanding of the current RESPA laws and guidelines • Detailed knowledge of processing • underwriting and closing procedures • Must be well versed in Conforming Conventional • FHA • VA • USDA • and Jumbo loan guidelines • Five plus years related experience and/or training • Knowledge of Encompass Database software • Desktop Underwriter • Loan Prospector • FHA connection • VA.gov • completing VA NOV • USDA GUS • verification ordering and Data Verify Internet software is essential • Active Affiliations, Certifications FHA DE • SAR and LAPP

🏖️ Benefits

• Paid time off • paid holidays • volunteer time off • Voluntary: Medical • dental • vision • HSA • FSA • Short-Term Disability • Voluntary Life Insurance • CHUBB Supplemental Insurance • Pet Insurance • 401K • Company Paid: Long-Term Disability • Group Life Insurance • Employee Assistant Program (EAP) • 401K Match • Employee Stock Ownership Plan (ESOP)