[Hiring] Non-Conforming Underwriter @JMAC Lending
Feb 15, 2025 - JMAC Lending is hiring a remote Non-Conforming Underwriter. 💸 Salary: $81,000 to $100,000 annually. 📍Location: USA.
Role Description
This role entails underwriting agency and non-agency loans (including both Manual and AUS), alongside Alternative Doc loans. You'll play a crucial part in evaluating supporting documentation to determine borrowers' creditworthiness and their capacity to fulfill mortgage obligations. This includes reviewing a variety of documents such as credit reports, income and asset documentation, appraisals, collateral reports, and fraud prevention tools, as well as any other necessary paperwork to make informed decisions.
This is a Full-Time/Remote opportunity offering competitive pay ranging from $81,000 to $100,000 annually.
Key Responsibilities
- Conduct a comprehensive and precise analysis of all loan documents, including the AUS decision report, credit report, various income sources (both complex personal and business returns), assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, as well as performing checks for red flags and potential fraud.
- Efficiently enter data into DU/LP systems and execute the final AUS processing.
- Meticulously manage loan files and clear any conditions, demonstrating both attention to detail and a sense of urgency to meet customer needs.
- Accurately log loan data and decisions into our operating system, ensuring precision at every step.
- Review transaction matrices and internal investor overlays to guarantee compliance with all investor guidelines.
- Apply and uphold effective fraud detection methods. Proactively request additional information or documentation as needed, and identify risk factors that may affect the quality of the loan file.
- Assist in resolving any pre-funding or post-purchase loan issues by collaborating with the post-closing department to address any outstanding conditions or concerns.
- Communicate loan decisions clearly and professionally via phone or email to foster positive and productive relationships with colleagues and clients.
- Maintain open channels of communication with brokers and sales staff to ensure all inquiries are addressed promptly, showcasing exceptional customer service skills.
Qualifications
- Must have recent underwriting experience with all Conventional loans products for a minimum of 5 years and is current on all updated guidelines, policies, and procedures.
- Current jumbo, non-agency, and alternative document experience for at least 3 years.
- 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.
- Extensive knowledge of complex tax returns including multiple businesses and multiple financed properties.
- Able to handle multiple investors guidelines.
- Maintain quality and production standards as set forth by management.
- 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.
- Must comply with all BSA/AML requirements as well as any mandatory changes.
Benefits
- Comprehensive Health Care Plan (including Medical, Dental, & Vision)
- Life Insurance Options (Basic, Voluntary & Accidental Death & Dismemberment)
- Generous Paid Time Off (for Vacation & Holidays)
- Secure Retirement Plan (401k)
- Short-Term & Long-Term Disability Coverage
- Family Leave Benefits
- Access to Wellness Resources
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| 📍 | Be aware of the location restriction for this remote position: USA |
| ‼ | Beware of scams! When applying for jobs, you should NEVER have to pay anything. Learn more. |
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Salary
💸
$81,000 to $100,000 annually
|
Remote
Location
USA
|
|
Job Type
full-time
|
Posted
Feb 15, 2025
|
| 📍 | Be aware of the location restriction for this remote position: USA |
| ‼ | Beware of scams! When applying for jobs, you should NEVER have to pay anything. Learn more. |
