Job Summary: 

• Responsible for reviewing/analyzing loan file conditions submitted to ensure the file meets the loan program requirements.
• Review conditions may include evaluating documents such as credit, income, debt, and assets.
• Responsible for determining whether the documentation satisfies the specific conditions.
• Condition files for missing/supporting documentation.
• Communicate with the underwriter regarding items that require further review.
• Work with contract underwriting approvals to ensure the system matches the contract underwriting approval prior to closing.
• Utilize Unifi/Desktop Underwriter/Loan Prospector in re-evaluating loans, assisting with closing re-do changes.
• Responsible for working with internal staff to clear post-close suspense items and QC findings.
• Responsible for analyzing risk loans and underwriting for compliance with investor and/or state/federal guidelines.
• Responsible for meeting department productivity and quality standards and complying with the company's policies and procedures and regulatory requirements.
• Cross-train to learn how to analyze and underwrite various types of loans, such as conventional, FHA, VA, etc.

Skills on Resume:

• Loan Review (Hard Skills)
• Income Analysis (Hard Skills)
• Credit Evaluation (Hard Skills)
• Risk Analysis (Hard Skills)
• Underwriting Compliance (Hard Skills)
• Loan Systems (Hard Skills)
• Attention Detail (Soft Skills)
• Team Communication (Soft Skills)

Job Summary: 

• Perform underwriting activities and checks to review business customers, ensuring they meet predefined criteria using a detailed risk model.
• Ensure KYC and KYB checks are conducted in a timely manner.
• Assess risk exposure against the lending criteria of the client's business.
• Adhere to all the relevant regulatory and operations risk controls, policies and minimum standards.
• Work collaboratively with colleagues across all business areas to provide outstanding customer service and customer satisfaction.
• Develop the necessary knowledge and skills to achieve successful and fair customer outcomes.
• Undertake both customer-facing and continuous improvement activities in support of the client's strategic objectives.
• Service inbound B2B customer enquiries relating to client products, ensuring excellent service.
• Deliver customer service across multiple channels, including voice, web chat, and social media.
• Deal with all enquiries/requests promptly, ensuring all commitments made to customers or colleagues are delivered so that service level targets are achieved.
• Proactively looking for opportunities where apply technological advancements with a human lens.

Skills on Resume:

• Underwriting Review (Hard Skills)
• Risk Modeling (Hard Skills)
• KYC KYB Checks (Hard Skills)
• Regulatory Compliance (Hard Skills)
• B2B Customer Service (Hard Skills)
• Multi Channel Support (Hard Skills)
• Collaborative Working (Soft Skills)
• Continuous Improvement (Soft Skills)

Job Summary: 

• Clear all non-critical conditions, working towards clearing critical conditions and completing the clear to close on loans and preparing them for closing.
• Ensure compliance and disclosure documentation is accurate.
• Complete data entry points in the loan for the Underwriter for efficiency.
• Review titles and clear related conditions.
• Review hazard insurance and clear related conditions.
• Run, read, and review Automated Underwriting System findings.
• Understand and calculate basic and complex income scenarios.
• Stay up to date on all guideline updates and company policy.
• Work with the Team Lead to resolve scenarios.

Skills on Resume:

• Condition Clearing (Hard Skills)
• Compliance Review (Hard Skills)
• Loan Data Entry (Hard Skills)
• Title Analysis (Hard Skills)
• Insurance Analysis (Hard Skills)
• AUS Review (Hard Skills)
• Income Calculation (Hard Skills)
• Team Collaboration (Soft Skills)

Job Summary: 

• Facilitate an excellent working relationship with internal and external customers.
• Develop and maintain respect, communicating effectively and providing excellent customer service.
• Maintain a high level of integrity, confidentiality and trust.
• Exercise personal initiative in organizing and completing tasks according to established product guidelines and team needs.
• Effectively problem-solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
• Meet established productivity and task management standards.
• Demonstrate a commitment to the Company Culture.
• Respond to phone calls and emails in a timely manner.

Skills on Resume:

• Customer Relationships (Soft Skills)
• Clear Communication (Soft Skills)
• Professional Integrity (Soft Skills)
• Confidentiality Handling (Soft Skills)
• Task Organization (Soft Skills)
• Problem Solving (Soft Skills)
• Productivity Focus (Soft Skills)
• Timely Response (Soft Skills)

Job Summary: 

• Prepare and examine accounting records, financial statements, taxes, and other financial reports.
• Develop and analyze reporting for business operations and budgets.
• Perform audits, ensuring adherence to standard requirements.
• Report analysis and findings to the management team.
• Review and analyze individual residential mortgage loan requests to determine approval or denial.
• Review financial statements, credit reports, ratios (i.e., Debt ratios, loan-to-value), appraisals, title reports and other relevant file documentation.
• Review submitted files to qualify for Fannie Mae, Freddie Mac, FHA, VA, and USDA (Rural Development) guidelines as per automated findings.
• Ensure compliance with industry standards, state and federal laws and disclosure requirements.
• Communicate loan decisions to internal lenders, coordinators and/or processors.
• Document the reasons for approval or denial of the loan in the loan file.
• Work remotely and work from the office based on company needs.
• Advance notice will be provided should this be the case.

Skills on Resume:

• Financial Reporting (Hard Skills)
• Budget Analysis (Hard Skills)
• Audit Procedures (Hard Skills)
• Mortgage Underwriting (Hard Skills)
• Credit Analysis (Hard Skills)
• Agency Guidelines (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Loan Decisioning (Hard Skills)

Job Summary: 

• Evaluate a mixture of property acquisition and development projects across the UK, which utilise a range of transaction structures.
• Underwrite projects and prepare comprehensive due diligence reports to assess their potential for the Investment Committee.
• Perform qualitative and quantitative research to select investment opportunities, including groundwork to assess the local area's specifications.
• Provide forecasts on the property market based on thorough research and examination.
• Responsible for researching and planning policies at the local and national levels and monitoring any changes in policies.
• Flag any deviations from due diligence processes.
• Produce projects' loan review reports for investors and internal use, which include appraisals of the project, risk factors and a range of different analyses.
• Answer questions that lenders may have about the project.
• Prepare and/or review Term Sheets.
• Manage and progress all aspects of their own pipeline of loan transactions from start to completion (both bridging and development finance loans) with limited supervision or guidance.
• Effectively establish and maintain relationships and two-way communication with all stakeholders in the transaction process (borrower, broker, lawyer, valuer, monitoring surveyor, external investors and internal FutureBricks management).
• Review, analyse and raise any further supplementary questions regarding reports received from lawyers, valuers and project monitors.

Skills on Resume:

• Property Underwriting (Hard Skills)
• Due Diligence (Hard Skills)
• Investment Analysis (Hard Skills)
• Market Forecasting (Hard Skills)
• Policy Research (Hard Skills)
• Loan Structuring (Hard Skills)
• Pipeline Management (Hard Skills)
• Stakeholder Communication (Soft Skills)

Job Summary: 

• Review loan documentation submitted by processing for initial underwriting decision and conditional approvals.
• Evaluate credit history, income, assets and current liabilities for ability to repay using AUS findings and investor guidelines.
• Maintain data integrity by performing data validations and updating the system of record.
• Update and re-run quality control tools.
• Complete required worksheets (examples, income workbook, CTC checklist, etc).
• Review and respond to quality control and investor suspense items related to Credit for loan sales.
• Sign off on the underwriting conditions within the authority.
• Take part in the judgment of different levels of risk presented by clients.
• Update and improve existing processes and procedures.

Skills on Resume:

• Loan Underwriting (Hard Skills)
• Credit Analysis (Hard Skills)
• Income Evaluation (Hard Skills)
• AUS Review (Hard Skills)
• Data Validation (Hard Skills)
• Quality Control (Hard Skills)
• Risk Judgment (Hard Skills)
• Process Improvement (Soft Skills)

Job Summary: 

• Analyze modification submission documents for accuracy and completeness, including any disclosures and other credit-related documents.
• Input/update all loan data into all systems currently used for the evaluation of loans.
• Request missing documents and/or information from respective parties.
• Responsible for identifying missing items that will constitute a complete file.
• Organize workload to ensure daily goals are being met within the 8 hours established by BLS.
• Maintain a strong knowledge of HAMP, HAUP, HAFA and alternative programs currently offered.
• Work with other parties to ensure compliance with BLS, HAMP and investor requirements.
• Responsible for MIB code reporting and interpretation of MIB code data.
• Assist with other underwriting areas under department leadership.

Skills on Resume:

• Loan Document Review (Hard Skills)
• Data Entry Accuracy (Hard Skills)
• Document Collection (Hard Skills)
• File Completeness (Hard Skills)
• Time Management (Soft Skills)
• Loss Mitigation Programs (Hard Skills)
• Regulatory Compliance (Hard Skills)
• MIB Reporting (Hard Skills)

Job Summary: 

• Underwrite on Conventional agency portfolio loans.
• Review loan amount changes that occur after clear-to-close.
• Rerun AUS, ensure all conditions remain satisfied.
• Coordinate with Appraisal Management Companies for additional comparables and other enhancements/modifications requested by the Arc Home Underwriter.
• Review and resolve unsuccessful VVOEs that prevent scheduled loan closings.
• Provide exceptional customer service to customers, operations staff and all third parties.
• Assist with post-closing curing credit exceptions found by due diligence firms/auditors.
• Responsible for screening life insurance applications.
• Responsible for updating the following underwriting guidelines.
• Review information and determine if coverage is available, additional information, or if the applicant does not qualify for coverage.

Skills on Resume:

• Conventional Underwriting (Hard Skills)
• AUS Revalidation (Hard Skills)
• Appraisal Coordination (Hard Skills)
• VVOE Resolution (Hard Skills)
• Post Closing Review (Hard Skills)
• Insurance Underwriting (Hard Skills)
• Guideline Updates (Hard Skills)
• Customer Service (Soft Skills)

Job Summary: 

• Ensure underwriting activities adhere to Regulatory/Agency/GSE/Investor and Private Label requirements.
• Assist Underwriting Management in establishing and maintaining Internal Risk Control Policies and Procedures regarding credit and compliance.
• Ensure loans meet all regulatory, agency, GSE and investor requirements.
• Coordinate reviews, rebuttals and remediation efforts in response to QA/QC findings.
• Assist with In-Line monthly audits required by Underwriting, Compliance, QC, etc.
• Maintain pre-established SLAs and production level tasks within the time frame set forth by the Underwriting Department.
• Analyze risk management matrices with the underwriting team.
• Perform credit analysis and repayment probability.
• Prioritize, track, and manage the loan underwriting process.
• Meet deadlines and ensure timely submission to the underwriting team.
• Work within loan guidelines and timelines.

Skills on Resume: 

• Regulatory Compliance (Hard Skills)
• Risk Control Policies (Hard Skills)
• QA QC Reviews (Hard Skills)
• Audit Coordination (Hard Skills)
• Credit Risk Analysis (Hard Skills)
• Loan Pipeline Management (Hard Skills)
• SLA Management (Hard Skills)
• Deadline Management (Soft Skills)