DE/SAR Underwriter at Inspire Home Loans Inc. in Remote US

Job description

• The DE/SAR Underwriter will have at least 5+ years of experience underwriting FHA, VA, or Bond loans to ensure appropriate guidelines are met according to investor requirements.
• DE & SAR certifications are required.
• This is a remote position and can sit in any state that Inspire is in: CA, SC, NC, CO, ID, FL, TX, AZ, NV, GA, MI, TN, UT.

Responsibilities

• • Diligently review credit, income, and assets documentation to determine the borrower’s creditworthiness and repayment ability.
• • Review property appraisal reports ensuring the value of the property is accurately presented.
• • Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income.
• • Follow AUS findings as well as manually underwrite loans.
• • Leverage knowledge of loan products and offer alternative financing options on eligible loans that cannot be approved as submitted.
• • Provide clear, concise, and appropriate conditioning of loans when rendering decisions.
• • Review items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor.
• • Mentor processing staff on underwriting deficiencies and calculation errors.
• • Ensure quality control standards are met so the company can sell the loan.
• • Works collaboratively with team members (i.e., loan officers, loan processors, closing, post-closing, etc.) to drive quality deals to successful funding.
• • Keep updated on agency/non-agency guidelines and internal policy and procedures.
• • Underwrite 2-3 new files a day in addition to reviewing files for conditions and clear to close.
• • Perform other duties as needed or assigned.

Requirements

• • Thorough knowledge of loan origination systems, Encompass, a plus.
• • Extensive knowledge of FHA, VA, and investor guidelines.
• • Prior experience working in a fast-paced, high-volume environment.
• • Proficiency in Microsoft Office products such as Word, Excel, and Outlook
• • Organized, attention to detail, time-sensitive and dependable.
• • Strong communication skills, verbal and written.
• • Ability to work hours above 40 hours/week during peak volume.
• • A high school diploma or equivalent is required. A college degree is preferred.
• • Previous underwriting experience required, preferably 5+ years of experience with conventional and government loans.
• • DE & SAR certification required.
• • Familiarity with builder loans is preferred.

Skills

Required

• Organized
• Attention to detail
• Time-sensitive
• Dependable
• Microsoft Office (Word, Excel, Outlook)
• Encompass (loan origination system)
• FHA, VA, and investor guidelines
• AUS (Automated Underwriting System)

Benefits

• Team members enjoy an excellent benefits package that includes medical, dental, vision, 401(k) with employer match, paid time off, and sick leave, plus home and mortgage discounts. We also offer competitive salaries with the potential for discretionary bonuses and/or commission structure (depending on the position).
• Century Communities Inc. intends to offer the selected candidate an hourly base pay in the range of $50.00 - $60.10 with bonus potential. Actual offers will be based on a variety of factors, including experience. Employees will have access to paid time off, medical, dental, vision, basic life insurance, and the Company’s 401(k) plan.