Underwriter

About this role

• Jet HomeLoans, LP is a National Mortgage Lender headquartered in Jacksonville, Florida.
• Jet HomeLoans focuses on providing its customers and business partners with the industry's best services.
• **Position Overview** An Underwriter is responsible for underwriting complex loan applications and managing an assigned loan pipeline.
• Additionally, a person in this position is responsible for: * Underwriting Government, Conventional (Fannie Mae/Freddie Mac) Loans.
• * Ensures loans approved are salable and conform to applicable investor and insurer guidelines.
• * Keeping up with the most recent investor and insurer guidelines/programs.
• * Adhering to company policy and procedures * Analyzing borrower income (all income types), assets and credit/liabilities documentation.
• * Calculating simple and complex income types.
• * Ensuring loans within the assigned pipeline close timely * Ensure assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
• * Reviewing and solving complex loan issues * Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders * Researching and responding timely to internal Quality Assurance and Quality Control reviews * Report material process and policy infractions/gaps to Underwriting Leadership.
• * An Underwriter reports directly to an Underwriting Manager.
• **Required Experience:** * Current VA SAR Designation * 2+ years of new mortgage underwriting experience.
• * Excellent working knowledge of FNMA, FHLMC guidelines * Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA) * Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies * Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
• * Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
• * Able to define problems, collect data, establish facts and provide information to resolve the situation.
• * Able to work well under pressure, meet multiple and sometimes competing deadlines.
• * Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
• * Basic computer skills required: word processing, email, and mortgage software.
• **Preferred Experience:** * 2- 3 yrs of Ellie Mae Encompass Loan Origination System Experience * Microsoft Excel proficiency **Expectations:** * Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.
• * Maintain a high level of integrity, confidentiality, and trust.
• * Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
• * Meet established productivity, loan quality and task management standards.
• * Ensure confidentiality of client records.
• * Demonstrate a commitment to the Company Culture.
• * Respond to phone calls and emails within the same workday.
• **Workplace Requirements:** * Able to navigate a standard office environment (remotely and/or in office) #jethomeloans #mortgagejobs #newhomesales Req Benefits: Our benefits include: Health Insurance - Medical, Dental & Vision; Vacation & Holidays - generous PTO & 11 holidays; 401(k) Savings Plan with company match, Employee Wellness and Employee Assistance Programs, Home Purchase Discount for Associates, Pet Insurance.

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