Due Diligence Underwriter

June 26

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Keystone Consulting Group

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Description

• Perform credit and compliance review and testing on closed mortgage files. • Accurately enter applicable data from the loan file into the underwriting platform. • Ensure underwriting guidelines are met; make sure correct decision has been made based upon guidelines (Ratings – 1, 2, 3 / A, B, C, D for Credit, Property, Compliance, and Overall Final Rating). • Analyze the loan file for determination of Borrower’s overall credit profile and determination of risk regarding Ability to Repay. • Validate automated exceptions and provide appropriate recommendations on Findings. • Investigate deviations and red flags found within the loan file and apply applicable Findings if appropriate. • Work on special projects as assigned. • Monitor emails and Teams to ensure responsiveness to all inquiries. • Read and respond to audit feedback in a timely manner. • Meet or exceed quality and production expectations. • Contact designated email staffing group to determine next assignment. • Attend and successfully complete all required training courses. • Develop ways to improve current processes and/or provide new services to meet the client needs. • Adhere to all Policies and Procedures. • Perform in a QC Underwriter role when needed based on volume and business requirements.

Requirements

• Some College preferred or prior work experience equivalent • Minimum of 5 years mortgage industry experience • Minimum 3 years’ experience underwriting residential mortgage loans • Minimum 2 years of mortgage due diligence underwriting experience preferred • Strong attention to detail with excellent written and verbal communication skills • Ability to work independently and ask for assistance / escalate when needed • Able to work constructively under stress and pressure and perform tasks efficiently • Ability to adapt to changing requirements and new processes • Strong analytical skills with the ability to draw conclusions based on objective-based facts • Proficient in basic computer skills including working knowledge of Microsoft Office products • Knowledge and experience with AUS reports, manual underwriting, and Agency Guidelines • General knowledge of mortgage industry regulatory requirements • Confidence in performing complex income analysis with multiple business and REOs

Benefits

• Full Benefits