Mortgage Loan Underwriter

Details: .Responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines. Evaluating and ensuring overall loan documents are accurate, complete and compliant; reviewing of financial statements, credit reports, applicable ratios and other supporting documentation; using an automated scoring system or traditional underwriting to determine acceptability of moderate requests; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions and/or to sell/promote line products; staying abreast of any changes in underwriting provisions; working with production to resolve questions when possible.

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Mortgage Underwriter Level 1

Details: Classification:  Mortgage Underwriter Compensation:  $40,000.00 to $42,000.00 per year Accountemps is filling immediate needs for direct hire level 1 Mortgage Underwriters. Qualified candidates will be asked to handle the following job duties:Level 1 Underwriters will be responsible for reviewing, analyzing, approving and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines. Dependent on division, functions may include reviewing credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and or other supporting documentation to recommend/approve requests within decisioning authority levels by way of automated scoring system or traditional underwriting; assisting with the calculations and preparation of reports for review; responding to customer inquiries and credit decisions; ensuring credit files are current, complete, and compliant with company standards; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and/or to sell/promote line products. Basic Qualifications: •6+ months experience in underwriting, processing, origination or closing or BA/BS. Minimum Qualifications: •At least 2 years mortgage experience in processing/closing/underwriting/origination •Familiar with income/asset/credit/collateral documentation •Demonstrated customer communication skills - both internal and external •Ability to multi-task and independently research problems/questions •Intermediate computer proficiency This position requires compliance with all mortgage regulatory requirements and compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

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Mortgage Underwriter

Details: Division: Mortgage FlsaStatus: Non-Exempt EmploymentType: Regular GENERAL FUNCTION: Performs a wide range of duties related to the underwriting of residential mortgages. Renders an underwriting decision and subsequent clearing conditions to ensure credit guidelines are met. Proactive in communicating the decision to the Loan Originator, as well as serving as a resource to Residential Mortgage personnel on any underwriting questions. Assists in training new hires. Functions as escalation point for decisions requiring higher authority or unique problem solving to make the loan work. DUTIES AND RESPONSIBILITIES: * Utilize systems in place, including automated underwriting to underwrite files in a timely manner. * Underwrite conventional and portfolio loans, in addition to assisting in FHA/VA loans, until such delegation is provided. * Manage expected service levels related to decision and condition clearing. * Update information on processing and underwriting systems to verify, add, delete or waive conditions. * Contact Loan Originators with the decision on the loan immediately after underwriting the file. * Provide feedback to other staff and loan officers. * Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable. * Responsible for appropriate section of HMDA Worksheet. * Review exception reports to ensure completion of all tasks. * Maintain knowledge of Fifth Third Mortgage Company policies and procedures, in addition to private investors, government investors and portfolio Credit Policy and Guidelines. SUPERVISORY RESPONSIBILITIES: None. ExperienceKNOWLEDGE & SKILLS REQUIRED: * Knowledge of conventional and government underwriting guidelines. * Three (3) or more years mortgage lending experience in origination and/or processing in heightened role. * Knowledge of the complete mortgage lending process. * High degree of attention to detail. * Knowledge of federal lending regulations governing real estate lending. * Knowledge of financial analysis techniques. * Demonstrated leadership skills. * Proven computer skills. * Demonstrated organizational skills. * Demonstrated teamwork and customer service skills. * Ability to make decisions in a time sensitive manner. * This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. WORKING CONDITIONS: * Normal office environment with little exposure to dust, noise, temperature and the like. * Extended viewing of CRT screen.

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Mortgage Underwriter - Retail Channel - Cincinnati

Details: Division: Mortgage FlsaStatus: Non-Exempt EmploymentType: Regular GENERAL FUNCTIONPerforms a wide range of duties related to the underwriting of residential mortgages. Renders an underwriting decision and subsequent clearing conditions to ensure credit guidelines are met. Proactive in communicating the decision to the Loan Originator, as well as serving as a resource to Residential Mortgage personnel on any underwriting questions. Assists in training new hires. Functions as escalation point for decisions requiring higher authority or unique problem solving to make the loan work. DUTIES AND RESPONSIBILITIES* Utilize systems in place, including automated underwriting to underwrite files in a timely manner. * Underwrite conventional and portfolio loans, in addition to assisting in FHA/VA loans, until such delegation is provided. * Manage expected service levels related to decision and condition clearing. * Update information on processing and underwriting systems to verify, add, delete or waive conditions. * Contact Loan Originators with the decision on the loan immediately after underwriting the file. * Provide feedback to other staff and loan officers. * Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable. * Responsible for appropriate section of HMDA Worksheet. * Review exception reports to ensure completion of all tasks. * Maintain knowledge of Fifth Third Mortgage Company policies and procedures, in addition to private investors, government investors and portfolio Credit Policy and Guidelines. SUPERVISORY RESPONSIBILITIES: None. ExperienceKNOWLEDGE & SKILLS REQUIRED* Knowledge of conventional and government underwriting guidelines. * Three (3) or more years mortgage lending experience in origination and/or processing in heightened role. * Knowledge of the complete mortgage lending process. * High degree of attention to detail. * Knowledge of federal lending regulations governing real estate lending. * Knowledge of financial analysis techniques. * Demonstrated leadership skills. * Proven computer skills. * Demonstrated organizational skills. * Demonstrated teamwork and customer service skills. * Ability to make decisions in a time sensitive manner. This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

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Mortgage Underwriter

Details: Classification:  Mortgage Processor Compensation:  $60,000.00 to $80,000.00 per year We have a client that is looking to bring a DE Underwriter into there group. Our client is with a well respected mortgage company in the West County area. They are looking for someone that has had a stable working background, high energy and looking to make a long term career move. Please contact .

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Mortgage Underwriter, Eastside, $30/HR DOE, T-H

Details: Classification:  Mortgage Underwriter Compensation:  $24.00 to $30.00 per hour Our client, a growing mortgage firm on the Eastside, is looking for a Underwriter on a temp to hire basis!As the Underwriter, you will be responsible for providing efficient, timely, consistent, accurate quality loan decisions on a daily basis. Underwrite loans that adhere to client's Underwriting Policy and Procedures as well as adhere to the investor guidelines, policies and procedures. To be considered for the Underwriter, you will have strong interpersonal and customer service skills, detail-oriented, organized and able to multitask. As well as working knowledge of MS Word, MS Excel, MS Outlook and Calyx POINT (mortgage origination software). Encompass experience a plus! All candidates will need to have the ability to work under pressure and meet stringent deadlines on a consistent basis.All qualified candidates will be required to complete a criminal background check.

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DE Underwriter

Details: Job Classification: Direct Hire Core placement opportunity for a Major Bank in Tempe, AZ (Relocation Package Available).- Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.- Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios. (i.e.. Debt ratios etc)- Evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold company and industry guidelines- Implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explaining rationale behind credit decision- May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/managerJoin Aerotek Professional Services&174. Our customized employment solutions and personalized approach give job seekers access to great opportunities with competitive salaries. Aerotek offers comprehensive benefits that can include medical, dental, optical, and optional 401k. Don't put your career in the hands of just anyone; put it in the hands of a specialist. Launch or rejuvenate your career today with Aerotek Professional Services! Allegis Group and its subsidiaries are equal opportunity employers and will consider all applications without regard to race, marital status, sex, age, color, religion, national origin, veteran status, disability or any other characteristic protected by law.

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Government DE Underwriter (Mortgage)

Details: ABOUT US: Paramount Equity was founded in 2003 and provides residential customers in Arizona, California, Oregon, Utah, Virginia and Washington a variety of financial services to accomplish one simple goal: Save Our Neighbors Money! From purchase and refinance mortgage banking, to property, casualty, life and health insurance, and now solar panel leasing and financing, Paramount Equity is committed to making a positive impact in the lives of our customers and the local communities in which we operate.We have been awarded the A+ Employers’ Award by the Sacramento Business Journal on multiple occasions (2006, 2007, 2009 & 2010) as an exceptional place to work.  We are also only one of a few companies in our industry to maintain an “A” ranking as an Accredited Business with the Better Business Bureau.OVERVIEW:Paramount Equity is looking for an experienced professional with an active DE certification to underwrite residential mortgage loans in accordance with FHA (HUD) and internal guidelines to ensure compliance with company and investor standards. Responsibilities include, but not limited to:Underwrite residential mortgage loans in accordance with FHA/HUD and internal guidelines ensuring compliance with company and investor standards Review and analyze borrower profiles, tax returns, title reports, credit reports, income documentation and appraisal products Ability to properly assess and respond to fraud indicators Determine eligibility for private mortgage insurance Demonstrate proficiency in automated underwriting applications and ability to assess results Structure loans according to lender requirements and credit quality Review appraisals for accurate property valuation Ensure documentation is appropriate to support credit decision Issue loan approvals or adverse action notifications Additional duties as assigned BENEFITS:Medical, Dental, and Vision Insurance Plans for Employees and Family Voluntary Term Life Insurance and Accidental Death and Dismemberment Insurance Plans Voluntary Long-Term Disability Insurance Plan Aflac Supplemental Insurance Plans 401(k) Retirement Plan Flexible Spending Accounts for Medical and Dependent Care (Cafeteria Plan / Section 125) Section 529 College Savings Plan Aggressive employee referral program that rewards you financially for referring top-performing employees

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Conventional Underwriter (Mortgage)

Details: ABOUT US: Paramount Equity was founded in 2003 and provides residential customers in Arizona, California, Oregon, Utah, Virginia and Washington a variety of financial services to accomplish one simple goal: Save Our Neighbors Money! From purchase and refinance mortgage banking, to property, casualty, life and health insurance, and now solar panel leasing and financing, Paramount Equity is committed to making a positive impact in the lives of our customers and the local communities in which we operate.We have been awarded the A+ Employers’ Award by the Sacramento Business Journal on multiple occasions (2006, 2007, 2009 & 2010) as an exceptional place to work.  We are also only one of a few companies in our industry to maintain an “A” ranking as an Accredited Business with the Better Business Bureau.OVERVIEW:Paramount Equity is looking for an experienced professional to underwrite conforming and jumbo residential mortgage loans to ensure compliance with company, regulatory agency and investor standards. Responsibilities include, but not limited to:Review and evaluate credit reports, preliminary report, judgments, bankruptcy documents, appraisal and income documentation. Analyze and calculate Income Documentation such as personal and business income statements; ensure all necessary documentation is requested to support final loan decisions. Follow up on appraisals and any outstanding conditions (i.e. demands, insurance, etc.) Responsible for a pipeline of 30-35 loans at any given time Perform verbal verification of employment on borrower, if applicable Approve complex loans on conforming, jumbo, wholesale and purchase products Exercise good judgment, conduct reasonableness tests and issue quality decisions Determine accuracy and completeness of files; ensure consistent processes Maintain established service level standard of decisions within a 24-hour timeframe Additional duties as assigned by management BENEFITS: Medical, Dental, and Vision Insurance Plans for Employees and Family Voluntary Term Life Insurance and Accidental Death and Dismemberment Insurance Plans Voluntary Long-Term Disability Insurance Plan Aflac Supplemental Insurance Plans 401(k) Retirement Plan Flexible Spending Accounts for Medical and Dependent Care (Cafeteria Plan / Section 125) Section 529 College Savings Plan Aggressive employee referral program that rewards you financially for referring top-performing employeesREQUREMENTS: 4 or more years of combined professional experience as a Conventional or Government Loans Underwriter in a retail sales environment (correspondent/direct lender, etc.) High School diploma required Bachelor’s degree from a 4-year college or university a plus Strong working knowledge of Point, DU, LP and Datatrac highly preferred Proficiency with all MS Office applications (Word, Excel, Outlook, etc.) Proven success working in fast-paced, high volume environments Excellent communication and customer service skills Precise attention to detail Professional demeanor and attire

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Mortgage Underwriter

Details: Position Category: Private BankingPosition Title: Mortgage Underwriter*Job Level: AssociateLocation: USA - NY - New YorkEducation Required: Bachelors DegreePosition Description:Morgan Stanley is a global financial services leader with three core businesses - Institutional Securities, Asset Management, and Global Wealth Management. Global Wealth Management is offered by the Morgan Stanley Smith Barney (MSSB) franchise, which has one of the world’s largest network of Financial Advisors and current total assets of 1.7 trillion as of April 21, 2011. Morgan Stanley has expanded its suite of world-class banking and lending products exclusively for MSSB Financial Advisors and their clients. In addition to our comprehensive financial services, which include brokerage, investment advisor, financial and wealth planning, annuities, insurance and retirement, Morgan Stanley has enhanced its lending, trust and cash management capabilities. By combining our lending financial services business with private banking products built specifically to service the needs of Financial Advisors and their clients, we can tailor banking and lending solutions to client needs. Morgan Stanley Smith Barney’s (MSSB) Global Wealth Management Group (GWMG) provides a range of wealth management products and services for affluent individuals, businesses and institutions. These services include brokerage and investment advisory, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust. The Mortgage Division of Morgan Stanley Private Bank National Association (MSPBNA) is focused on delivering premier mortgage solutions to clients of MSSB. As part of Global Wealth Management Division (GWM), we have a partnership with Morgan Stanley’s retail brokerage network that provides a proprietary source of inbound business.If you have a passion for the mortgage business and are looking for a team atmosphere that encourages success and innovation, a healthy pipeline and a fast –paced environment, MSPBNA may have something to offer you.The primary function of this role will be to produce an investment quality portfolio by adhering to sound credit policies and principles directly related to the borrower’s credit history, income, assets, total liabilities, and a detailed review of the borrower’s existing or proposed collateral.• Thorough review of all loan documentation to ensure accuracy, data integrity, and ensure no existence of fraud• Proper classification and documentation of grading of risk• Ensure loan processing staff, producers or brokers procure appropriate information necessary to finalize incomplete loan packages• Recommend modifications/clarifications to firms credit policy • Provide work direction and training to more junior staff• Provide assistance to secondary marketing area in support of due diligence for both sales and securitizations• Establish and maintain a good relationship with other departments• Recommend loan decisions for loan amounts or DTI’s in excess of authorized limit to Underwriting Manager or Underwriting Vice PresidentSkills Required:Position Responsibilities • Thorough review of all loan documentation to ensure accuracy, data integrity, and ensure no existence of fraud• Proper classification and documentation of grading of risk• Ensure loan processing staff, producers or brokers procure appropriate information necessary to finalize incomplete loan packages• Recommend modifications/clarifications to firms credit policy • Provide work direction and training to more junior staff• Provide assistance to secondary marketing area in support of due diligence for both sales and securitizations• Establish and maintain a good relationship with other departments• Recommend loan decisions for loan amounts or DTI’s in excess of authorized limit to Underwriting Manager or Underwriting Vice PresidentExperience • Seven years resindential mortgage underwriting experience, both Conforming and non-conforming• Knowledge of “unique vestings” i.e. irrevocable, trust, property in corporate entities• Advanced knowledge/experience of self-employed income analysis a MUST• Experience working with high profile / high net worth clients preferredSkills/Abilities • Must have current industery knowledge of underwriting procedures, policies, creditor financial analysis techniques, investor requirements and possess a high degree of attention to detail• 1st and 2nd lien position product lending. • Appraisal, income, title training from established agency, vendor, or accredited organization• Proven ability to restructure loans and create “counter offers”• Outstanding verbal and written communication skills• Ability to champion a “client first” culture• Abilty to thrive in a “paperless” environmenteoe/m/f/d/v

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Mortgage Underwriter

Details: Position Category: Private BankingPosition Title: Mortgage Underwriter*Job Level: AssociateLocation: USA - NY - New YorkEducation Required: Bachelors DegreePosition Description:Morgan Stanley is a global financial services leader with three core businesses - Institutional Securities, Asset Management, and Global Wealth Management. Global Wealth Management is offered by the Morgan Stanley Smith Barney (MSSB) franchise, which has one of the world’s largest network of Financial Advisors and current total assets of 1.7 trillion as of April 21, 2011. Morgan Stanley has expanded its suite of world-class banking and lending products exclusively for MSSB Financial Advisors and their clients. In addition to our comprehensive financial services, which include brokerage, investment advisor, financial and wealth planning, annuities, insurance and retirement, Morgan Stanley has enhanced its lending, trust and cash management capabilities. By combining our lending financial services business with private banking products built specifically to service the needs of Financial Advisors and their clients, we can tailor banking and lending solutions to client needs. Morgan Stanley Smith Barney’s (MSSB) Global Wealth Management Group (GWMG) provides a range of wealth management products and services for affluent individuals, businesses and institutions. These services include brokerage and investment advisory, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust. The Mortgage Division of Morgan Stanley Private Bank National Association (MSPBNA) is focused on delivering premier mortgage solutions to clients of MSSB. As part of Global Wealth Management Division (GWM), we have a partnership with Morgan Stanley’s retail brokerage network that provides a proprietary source of inbound business.If you have a passion for the mortgage business and are looking for a team atmosphere that encourages success and innovation, a healthy pipeline and a fast –paced environment, MSPBNA may have something to offer you.The primary function of this role will be to produce an investment quality portfolio by adhering to sound credit policies and principles directly related to the borrower’s credit history, income, assets, total liabilities, and a detailed review of the borrower’s existing or proposed collateral.• Thorough review of all loan documentation to ensure accuracy, data integrity, and ensure no existence of fraud• Proper classification and documentation of grading of risk• Ensure loan processing staff, producers or brokers procure appropriate information necessary to finalize incomplete loan packages• Recommend modifications/clarifications to firms credit policy • Provide work direction and training to more junior staff• Provide assistance to secondary marketing area in support of due diligence for both sales and securitizations• Establish and maintain a good relationship with other departments• Recommend loan decisions for loan amounts or DTI’s in excess of authorized limit to Underwriting Manager or Underwriting Vice PresidentSkills Required:Position Responsibilities • Thorough review of all loan documentation to ensure accuracy, data integrity, and ensure no existence of fraud• Proper classification and documentation of grading of risk• Ensure loan processing staff, producers or brokers procure appropriate information necessary to finalize incomplete loan packages• Recommend modifications/clarifications to firms credit policy • Provide work direction and training to more junior staff• Provide assistance to secondary marketing area in support of due diligence for both sales and securitizations• Establish and maintain a good relationship with other departments• Recommend loan decisions for loan amounts or DTI’s in excess of authorized limit to Underwriting Manager or Underwriting Vice PresidentExperience • Seven years resindential mortgage underwriting experience, both Conforming and non-conforming• Knowledge of “unique vestings” i.e. irrevocable, trust, property in corporate entities• Advanced knowledge/experience of self-employed income analysis a MUST• Experience working with high profile / high net worth clients preferredSkills/Abilities • Must have current industery knowledge of underwriting procedures, policies, creditor financial analysis techniques, investor requirements and possess a high degree of attention to detail• 1st and 2nd lien position product lending. • Appraisal, income, title training from established agency, vendor, or accredited organization• Proven ability to restructure loans and create “counter offers”• Outstanding verbal and written communication skills• Ability to champion a “client first” culture• Abilty to thrive in a “paperless” environmenteoe/m/f/d/v

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Mortgage Underwriter*

Details: Position Category: Private BankingPosition Title: Mortgage Underwriter*Job Level: AssociateLocation: USA - NY - New YorkEducation Required: Bachelors DegreePosition Description:Morgan Stanley is a global financial services leader with three core businesses - Institutional Securities, Asset Management, and Global Wealth Management. Global Wealth Management is offered by the Morgan Stanley Smith Barney (MSSB) franchise, which has one of the world’s largest network of Financial Advisors and current total assets of 1.7 trillion as of April 21, 2011. Morgan Stanley has expanded its suite of world-class banking and lending products exclusively for MSSB Financial Advisors and their clients. In addition to our comprehensive financial services, which include brokerage, investment advisor, financial and wealth planning, annuities, insurance and retirement, Morgan Stanley has enhanced its lending, trust and cash management capabilities. By combining our lending financial services business with private banking products built specifically to service the needs of Financial Advisors and their clients, we can tailor banking and lending solutions to client needs. Morgan Stanley Smith Barney’s (MSSB) Global Wealth Management Group (GWMG) provides a range of wealth management products and services for affluent individuals, businesses and institutions. These services include brokerage and investment advisory, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust. The Mortgage Division of Morgan Stanley Private Bank National Association (MSPBNA) is focused on delivering premier mortgage solutions to clients of MSSB. As part of Global Wealth Management Division (GWM), we have a partnership with Morgan Stanley’s retail brokerage network that provides a proprietary source of inbound business.If you have a passion for the mortgage business and are looking for a team atmosphere that encourages success and innovation, a healthy pipeline and a fast –paced environment, MSPBNA may have something to offer you.The primary function of this role will be to produce an investment quality portfolio by adhering to sound credit policies and principles directly related to the borrower’s credit history, income, assets, total liabilities, and a detailed review of the borrower’s existing or proposed collateral.• Thorough review of all loan documentation to ensure accuracy, data integrity, and ensure no existence of fraud• Proper classification and documentation of grading of risk• Ensure loan processing staff, producers or brokers procure appropriate information necessary to finalize incomplete loan packages• Recommend modifications/clarifications to firms credit policy • Provide work direction and training to more junior staff• Provide assistance to secondary marketing area in support of due diligence for both sales and securitizations• Establish and maintain a good relationship with other departments• Recommend loan decisions for loan amounts or DTI’s in excess of authorized limit to Underwriting Manager or Underwriting Vice PresidentSkills Required:Position Responsibilities • Thorough review of all loan documentation to ensure accuracy, data integrity, and ensure no existence of fraud• Proper classification and documentation of grading of risk• Ensure loan processing staff, producers or brokers procure appropriate information necessary to finalize incomplete loan packages• Recommend modifications/clarifications to firms credit policy • Provide work direction and training to more junior staff• Provide assistance to secondary marketing area in support of due diligence for both sales and securitizations• Establish and maintain a good relationship with other departments• Recommend loan decisions for loan amounts or DTI’s in excess of authorized limit to Underwriting Manager or Underwriting Vice PresidentExperience • Seven years resindential mortgage underwriting experience, both Conforming and non-conforming• Knowledge of “unique vestings” i.e. irrevocable, trust, property in corporate entities• Advanced knowledge/experience of self-employed income analysis a MUST• Experience working with high profile / high net worth clients preferredSkills/Abilities • Must have current industery knowledge of underwriting procedures, policies, creditor financial analysis techniques, investor requirements and possess a high degree of attention to detail• 1st and 2nd lien position product lending. • Appraisal, income, title training from established agency, vendor, or accredited organization• Proven ability to restructure loans and create “counter offers”• Outstanding verbal and written communication skills• Ability to champion a “client first” culture• Abilty to thrive in a “paperless” environmenteoe/m/f/d/v

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