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Mortgage Underwriter A
Job Field: Government Jobs
Location: BOISE, ID
Salary: $20.00-$25.00A
Job Type: Long Term, 40 Hours per Week
Location: BOISE, ID
Salary: $20.00-$25.00A
Job Type: Long Term, 40 Hours per Week
JOB SUMMARY:
This job is designated for use in Home Mortgage during periods when business conditions demand increased operational capacity. This is an interim position which is short term in nature not to exceed 18 months. 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, loan-to-value). - Evaluating & examining transactions to ensure accuracy and completeness. - Preparing formal reports for review. - Ensuring that documents are consistent and uphold to 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, explain rationale behind credit decision. - May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager. Basic Qualifications 4+ years underwriting experience. Minimum Qualifications Extensive mortgage underwriting experience which includes but not limited to: - Experience with income analysis with includes exposure to reviewing Self employment, Corporate, and Partnerships tax returns. - Advanced asset analysis and experience working with all types, and experience with layering risk and evaluation. - Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates. - Prior experience underwriting/signing authority of $475k or higher. - Ability to handle confidential material in a professional, highly ethical manner. - Excellent verbal and written communication skills and possess a high degree of attention to detail. - Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers. - Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals. This position requires compliance with all mortgage regulatory requirements and Wells Fargo's 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. Preferred Skills - Working knowledge of computer based programs such as Shaw, Cfocus, HE360, EDM, CLIPR, SpeedTrap, and Hogan is preferred. - Adaptable to changing environments. - Self-motivated/dependable with working knowledge of Home Equity Policy and procedures. - Excellent communication and customer service skills. - 1st mortgage underwriting experience is a plus. - Ability to analyze income via personal and business tax returns.
This job is designated for use in Home Mortgage during periods when business conditions demand increased operational capacity. This is an interim position which is short term in nature not to exceed 18 months. 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, loan-to-value). - Evaluating & examining transactions to ensure accuracy and completeness. - Preparing formal reports for review. - Ensuring that documents are consistent and uphold to 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, explain rationale behind credit decision. - May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager. Basic Qualifications 4+ years underwriting experience. Minimum Qualifications Extensive mortgage underwriting experience which includes but not limited to: - Experience with income analysis with includes exposure to reviewing Self employment, Corporate, and Partnerships tax returns. - Advanced asset analysis and experience working with all types, and experience with layering risk and evaluation. - Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates. - Prior experience underwriting/signing authority of $475k or higher. - Ability to handle confidential material in a professional, highly ethical manner. - Excellent verbal and written communication skills and possess a high degree of attention to detail. - Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers. - Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals. This position requires compliance with all mortgage regulatory requirements and Wells Fargo's 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. Preferred Skills - Working knowledge of computer based programs such as Shaw, Cfocus, HE360, EDM, CLIPR, SpeedTrap, and Hogan is preferred. - Adaptable to changing environments. - Self-motivated/dependable with working knowledge of Home Equity Policy and procedures. - Excellent communication and customer service skills. - 1st mortgage underwriting experience is a plus. - Ability to analyze income via personal and business tax returns.
KEY REQUIREMENTS:
48 Months
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