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Conventional Underwriter - Remote

Company: JMAC Lending, Inc.
Location: Santa Ana
Posted on: February 25, 2021

Job Description:

JMAC Lending is looking for that unique individual that will lead by example and grow with our company. JMAC Lending has funded more than $20 billion in mortgage loans. The Conventional Underwriter is responsible for analyze and evaluate residential loan applications in accordance with investor, agency and internal guidelines. Examine loan documentation for accuracy and completeness to ensure loans meet eligibility requirements and to mitigate risk or loss to the company. Work closely with wholesale brokers, AE's and Operations staff. Provide outstanding levels of customer service through great communication and pay close attention to detail. The Conventional Underwriter will deal with numbers, calculations and must possess a good auditing and analytical skills including a firm knowledge on math. A good skill in decisions making is also vital since the major of mortgage underwriters are deciding and evaluating whether to approve or deny the client's loan application. Come be apart of the JMAC family.. --Key--Responsibilities:

  • Thoroughly and accurately analyze all loan documents, which include the following: AUS decision report, credit report, all sources of income including complex personal and business returns, assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, red flags and fraud check.
  • Input data into DU/LP and run final AUS.
  • Maintain quality and production standards as set forth by management.
  • Underwriter files and clear conditions on loans with attention to detail as well as with a sense of urgency for our customers.
  • Input loan data and decisions accurately into current operating system.
  • Examine transaction matrix, internal, and investor overlays to ensure compliance with investor guidelines.
  • Implement and enforce fraud detection techniques. Request supplemental information/documentation as necessity dictates. Recognize risk factors that may compromise overall quality of loan file.
  • Aid in the resolution of any applicable pre-funding or post purchase loan deficiencies by assisting the post-closing department in curing any outstanding conditions or concerns.
  • Effectively communicate orally and/or via email all loan decisions rendered on files in a professional and positive manner to maintain strong working relationships with co-workers and customers.
  • Maintain consistent communication with brokers and sales staff to ensure all questions are answered in a timely manner while demonstrating outstanding level of customer service skills.
  • Other duties as assigned.
  • Base of the business needs overtime may be required.-- --Professional Experience,--Education, and Qualifications:--
    • Must have recent underwriting experience with all Conventional loans products for a minimum of 4-5 years and is current within the last 6 -9 months on all updated guidelines, policies and procedures.
    • Must be able to multi-task in a fast-paced environment while maintaining a high level of quality.
    • Extensive knowledge of all FNMA/FHLMC and investor guidelines.
    • Strong attention to detail, organization and communication skills.
    • Communication skills, verbal and written, capable of expressing complex issues and soliciting input from a broad audience. Perks with JMAC Lending:--
      • Competitive compensation reliant on ability & experience.
      • Company paid life and AD&D Insurance, as well as additional voluntary benefit possibilities.
      • 401K--
      • PTO days in addition to 9 paid company holidays.
      • Game room, and creative fun environment.--
      • Starbucks daily, and many more treats.--
      • Remote or on-site positions available-- About JMAC Lending:-- JMAC Lending has been in business for more than 20 years. Servicing clients better with our innovative products, exceptional service, support and our dedication to helping our partners grow our business. The core of our culture and business approach is to go--Beyond Current--market options to be the go-to lender of choice for our clients.--Our associates hold distinguished credentials and participate in continuing education, to ensure knowledge is carefully balanced with experience. Our company was built on our adherence to the highest ethical standards, while efficiently and carefully executing the delivery of product pricing for wholesale and correspondent lending for our clients. JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender indentity or national origin.-- DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned. Are you able to provide verification of your legal right to work in the US? --*
        -- What percentage of loans are Conventional are you underwriting?
        What is your desired rate of pay? --*
        How many loans do you underwriter per week? --*
        3-5
        5-7
        10+
        U.S. Equal Opportunity Employment Information (Completion is voluntary) Individuals seeking employment at JMAC Lending are considered without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation. You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity/Affirmative Action record keeping, reporting, and other legal requirements. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. Gender Please select Are you Hispanic/Latino? Please select Race & Ethnicity Definitions If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status Please select Form CC-305 OMB Control Number 1250-0005 Expires 05/31/2023 Voluntary Self-Identification of DisabilityWhy are you being asked to complete this form? We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years. Identifying yourself as an individual with a disability is voluntary, and we hope that you will choose to do so. Your answer will be maintained confidentially and not be seen by selecting officials or anyone else involved in making personnel decisions. Completing the form will not negatively impact you in any way, regardless of whether you have self-identified in the past. For more information about this form or the equal employment obligations of federal contractors under Section 503 of the Rehabilitation Act, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp . How do you know if you have a disability? You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition. Disabilities include, but are not limited to:
        • Autism
        • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, or HIV/AIDS
        • Blind or low vision
        • Cancer
        • Cardiovascular or heart disease
        • Celiac disease
        • Cerebral palsy
        • Deaf or hard of hearing
        • Depression or anxiety
        • Diabetes
        • Epilepsy
        • Gastrointestinal disorders, for example, Crohn's Disease, or irritable bowel syndrome
        • Intellectual disability
        • Missing limbs or partially missing limbs
        • Nervous system condition for example, migraine headaches, Parkinson's disease, or Multiple sclerosis (MS)
        • Psychiatric condition, for example, bipolar disorder, schizophrenia, PTSD, or major depression Disability Status Please select 1 Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp . PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.

Keywords: JMAC Lending, Inc., Santa Ana , Conventional Underwriter - Remote, Hospitality & Tourism , Santa Ana, California

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