Job Functions And Responsibilities Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor and the company Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. Provides final approval underwriting of mortgage loans Conventional, Correspondent, FHA,VA, Reverse. Completes all required paperwork and forms in a timely and accurate manner; prepares required forms Sign off conditions in a timely manner set by management Work with staff and management to find solutions on escalated loans. May be requested to make recommendations for improving Internal Audit s policies and practices Manage loans by using all functions of Encompass Effectively communicate underwriting decisions with processors and advisors Maintain high level of customer service and communication with other departments Other duties as assigned Education / Experience Bachelor s degree or equivalent of fifteen years of education mandatory Minimum of 1 years of experience in Mortgage Underwriting with thorough knowledge of Financial and nonfinancial supporting documentation, Income calculations, Asset/ Liabilities & Appraisal verification, Credit report review. Knowledge about risk and compliance in Lending especially the FNMA & FHLMC Underwriting standards. Knowledge about Underwriting procedures of Conventional, Correspondent Lending, Reverse mortgage, FHA, VA (Government loans) underwriting Work Schedule Or Travel Requirements Ready to do any shifts as per Business unit requirements Ready to travel office for training and other as per Business unit requirements