Overview
With over 20 years in the mortgage industry, SouthPoint Financial Services Inc. (SPFS) is one of the most trusted mortgage lenders in the southeast. The company is experiencing exponential growth in 2020 and will for many years to come. We are looking for highly qualified Senior Loan Underwriter to join our Retail team to help support our increased volume. The benefits that SPFS offers are available to all full- time employees. We offer competitive salary that will be based off on experience plus a bonus program. You will have a variety of medical, dental, vision, and other insurance products to choose from. Each year you will receive vacation time, paid holidays, and sick days, and access to our employee discount program! We also offer a 401k plan. With all of these benefits, it is no wonder why we maintain so many long- term employees. So if you are looking for a Underwriting position, then SPFS may be your new home!
Job Summary:
Performs the daily functions connected with Underwriting. Effectively processes loans in accordance with company policies and procedures. The duties for Underwriter include, but are not limited to, those described below.
Responsibilities
- Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral
- Utilize client’s loan operating system to ensure accurate data entry
- Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines
- Evaluate and ensure overall loan documents are accurate, complete, and compliant
- Ability to identify and/or clear red flag or alerts
- Issue loan decision and condition file accordingly
- Review and approve conditions for compliance and completion of loan file
- Provide excellent customer service to internal and external clients
- Maintain current knowledge of client and investor requirements
- Resolve pre and post-closing issues as they relate to underwriting
- Assist Processors/Loan Officers in understanding underwriting decisions and conditions
- Must be able to work in a high stress environment while delivering a high-level of customer service as in the mortgage industry as a whole
- Must have the heart of a teacher! Work with staff to understand how to restructure for a positive outcome.
Qualifications
Experience:
- Must have 5 plus years of experience. Both DE and VA SAR
Skills:
- Ability to make sound judgments regarding the resolution of customer service issues
- Ability to problem-solve and exerciseindependent judgment while displaying a high degree of initiative
- Ability to handle detailed assignments and maintain confidentiality
- Excellent communication and interpersonal skills
- Organizational skills necessary to prioritize workload
Education:
- High School Diploma or equivalent
Travel:
Job Type: Full-time
Pay: $106,606.00 - $112,111.00 per year
Benefits:
- 401(k)
- Dental insurance
- Employee discount
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Vision insurance
Physical setting:
Schedule:
Experience:
- Underwriting: 5 years (Required)
Work Location: In person